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For over 70 years, Teachers Federal Credit Union has been committed to guiding members toward building a strong financial foundation today for a better tomorrow. Recognized by Forbes Magazine as one of America's Best-In-State Credit Unions in 2025, Teachers has grown into one of the nation's leading credit unions. As we expand our reach across the country, we remain focused on being both a Best Place to Bank and a Best Place to Work. From part-time roles to executive leadership positions, Teachers offers a wide range of meaningful career opportunities.

Summary:

Reviews credit data to evaluate commercial and business loan requests to recommend either approval or denial for applications. Analyzes sources of financial information, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of the loan. Prepares a credit memo in response to new and additional credit proposals for approval.

Education and/or Experience:

• Associate degree, or four years of directly related experience required.
• Minimum of two years of lending experience preferred.
• Minimum of one year of banking or finance experience required.
• Ability to read, understand, and analyze business owners' personal tax returns, business tax returns, and financial statements.
• Ability to read and review personal and business credit reports.
• Knowledge of loan origination systems.
• Excellent computer skills, including proficiency with Microsoft Word, Microsoft Excel, FiServ DNA, and company and Business Lending systems.

Job Responsibilities:

• Focus primarily on the business retail channel within the Business Lending Department by underwriting Teachers small business credit products, including Business Auto, Business Credit Card, Business Term Loans, and Business Line of Credit accounts for business members.
• Analyze the creditworthiness of businesses seeking financing by collecting and reviewing relevant documentation, including tax returns, financial statements, credit reports, and company information. Present written credit memorandums that clearly support recommendations to approve or deny business loan applications.
• Prepare business loan credit memorandums that summarize the business history, loan or line of credit purpose, repayment ability, financial analysis, collateral considerations, and other relevant business lending factors using business and personal tax returns, credit reports, financial statements, and available lending tools.
• Maintain ongoing communication with the Business Relationship Manager regarding small business lending matters.
• Assist the Business Lending team with commercial loan analysis. Use credit analysis skills, including financial ratios, income and expense trends, net worth changes, deposit balance history, and other business credit factors, to make or recommend appropriate credit decisions.
• Perform physical site visits to evaluate a borrower's operations and inspect collateral conditions.
• Perform processing duties when required, including booking commercial loans, updating tracking logs, conducting searches, and completing related administrative tasks.
• Perform other duties as assigned by the immediate supervisor.

Benefits of Joining the Teachers Team:

We provide a competitive compensation and benefits package that includes, but is not limited to:

• This position is eligible for our annual discretionary bonus program. Some positions within the credit union also qualify for quarterly performance incentives
• Paid time off for vacation, personal days, and holidays
• 401(k) company contribution
• Teachers pays 100% of Dental & Vision premium
• Tuition reimbursement is offered to full-time employees
• Exclusive employee discount of 0.96% APR on credit card loans and a 1.00% APR on all other loans through Teachers

The good faith range for this position is $32.00 - $38.50 per hour. This range is an estimate, based on potential employee qualifications and operational needs. The salary may vary above and below the stated amounts, as permitted by applicable law.

All candidates will be subject to a background check, credit check, and drug test to determine employment eligibility. To learn more about Teachers and to view a full list of our job opportunities please visit https://www.teachersfcu.org/about/careers

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