Commercial Credit Analyst / W. Bridgewater / (up to $70K)
Summary: This position is responsible for the evaluation of commercial credit risk and deal structure for commercial & industrial and commercial real estate customers. Prepare a thorough analysis of all aspects of the credit, including the preparation of financial/industry projections in conformance with established Credit Union policies, strategies and procedures for new loan requests, renewals and annual reviews. Review standard loan documentation for conformance with approval terms.
Essential Duties and Responsibilities: Prepare Credit Approval Memoranda for presentation to Loan Approval Hierarchy. Prepare spread sheets and credit analyses to properly assess cash flow, capacity, collateral and all major risks associated with the Credit Union lending to these businesses. Conduct periodic portfolio reviews, and credit & legal file audits. Assist loan officer with loan closing process. Manage credit renewals and maturities via portfolio monitoring. Interact with lending officers to obtain appropriate information to complete a credit analysis. Occasionally attend joint calls with the commercial loan officer to gather more information about the business. Maintain tickler for borrower covenant compliance and financial reporting requirements. Participate in credit training curriculum.
Education and/or Experience: BA in Business Administration, Accounting, Finance, or Economics. Minimum 5 years credit analyst work experience or a combination of education and professional experience.
Computer Skills: Proficient in Microsoft Office, including Word, Excel, Access, Outlook and PowerPoint. Proficient in financial spreadsheet programs, i.e. Statement Analyzer, FAST, FAMAS. Proficient in general web based applications and Adobe Reader.
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