State Employees' Credit Union

POSITION TITLE: Commercial Credit Analyst I

REPORTS TO: Commercial Portfolio Manager

SUPERVISES: N/A

JOB STATUS: Exempt

JOB GRADE 12: $63,525.80 - $79,060.80 Targeted Annual Salary

*This position works on-site. Remote work is not available at this time.

JOB SUMMARY:

This employee is responsible for assisting the Commercial Loan Department with the analyzing of financial information provided by businesses and/or individuals that are submitting a request for a Commercial/Business loan to determine the risk that the Credit Union would have with the loan. Prepare cash flow analysis of personal and business tax returns and financial statements. Prepare reports that are based upon the findings that will assist in the decision-making process. Assist in the documentation of the Commercial loan portfolio. Assist in the opening and maintenance of Commercial/Business deposit and loan accounts to ensure that all necessary documentation is obtained.

All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.

Duties/Responsibilities:

• Take a lead role in the analyses of commercial credit applications and related
• Responsible for evaluating a borrower's capacity to pay, capital position, economic trends and forecasts in mitigating loan-risk, identifying special risk based on the unique needs of the borrower and the loan, and making recommendations through underwriting to effectively manage commercial credit risk for the
• Compile, prepare, and present Credit Approval Presentations for loan
• Interview Commercial & Business members for new accounts and loans.
• Prepare cash flow analysis of personal and business tax returns and financial statements.
• Prepare and submit Commercial & Business loan requests for
• Maintain and review commercial loan maturity report.
• Collect Commercial & Business loan financial documentation for annual reviews and possible renewals
• Complete and update Commercial & Business loan
• Review Commercial & Business loan call report provided by CFO for
• Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on commercial lending
• Ensure the Credit Union provides high quality services to its members in lending and related
• Participates in any other activities deemed necessary to further support the lending functions of State Employees Credit
• Ensures that all Credit Union policies and procedures are followed, comply with all applicable laws, regulations and have strong working knowledge of
• Understand compliance issues & attends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act.
• Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job
• Performs other duties as assigned.
• Job Related Travel – As required.

Required Skills/Abilities:

• Strong interpersonal relationship/communication skills and attention to detail
• Advanced knowledge in the review of commercial credit applications and borrower capacity to
• Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis.
• Ability to work independently with little supervision as well as in a team environment.
• Strong analytical
• Experienced in the appraisal and underwriting of commercial
• Proficient with the Microsoft Office

Education/Experience:

• Education or experience equivalent to a bachelor's degree in accounting, Finance, or related field, in addition to 1 to 3 plus years of relevant

General Requirements:

Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to:

• Works in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace.
• Adheres to policy on Drug Free
• Complies with company policies and procedures and local, state and federal

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a
• Must be able to lift 15 pounds at times.
• Must be able to access and navigate each department at the organization's

State Employees Credit Union offers a highly competitive benefits package

Applications must be received by Human Resources

State Employees Credit Union of New Mexico is an Equal Opportunity Employer

Equal Opportunity Employer, including disabled and veterans.