Commercial Credit Analyst I

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 CommercialBusiness members for new accounts and loans.
• Prepare cash flow analysis of personal and business tax returns and financial statements.
• Prepare and submit CommercialBusiness loan requests for
• Maintain a...