Business Lending Credit Analyst; Hybrid

Title:

Business Lending Credit Analyst II
Grade 10
Position Status – Full-time Exempt

Reports To:

AVP of Business Lending

Purpose:
The primary purpose of this position is to assist Atlanta Postal Credit Union (APCU) to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Business Lending Credit Analyst II role is responsible for a comprehensive analytical review of commercial loan requests and periodic reviews to ensure compliance with commercial lending policies and procedures. The incumbent provides independent analytical and credit review support to the Business Lending and Business Services areas of the credit union.

• Deliver outstanding service to both internal and external members that is in alignment with our Service Promises.
• Spread and analyze financial statements, including cash flows, performance ratios, and proformas to develop initial assessments by identifying strengths and weaknesses pertaining to a borrower’s past and future performance.
• Coordinate completion and reviews of MBL loan requests of any loan relationship/request size, including commercial vehicles, equipment, and real estate.
• Work with Loan Officers in preparing in-depth written analyses on loan relationships for presentation in the approval process. This includes credit investigation of borrowers and guarantors; economic and market conditions as they relate to the company, industry, and market area; historical financial analysis, and analysis of a guarantor’s financial position and cash flow coverage.
• Collect and maintain industry data; research industry-specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Present compiled data and recommend enhancements.
• Attend loan approval and loan audit meetings as required and be prepared to answer questions regarding an analysis of a particular loan proposal. Prepare entire proposal packages, as necessary.
• Establish and maintain credit files for each relationship. Ensure that member’s credit information such as loan documentation, financial statements, tax information, insurance binders, credit history from trade references, and correspondence are current and obtained in a timely manner. Notify management of any violations and request follow-up to resolve or waive.
• Prepare and send out notification letters to members requesting updated credit information and financial statements, as necessary.
• Assist the department manager in writing or updating policies and procedures relating to Member Business Lending.
• Provide support to management in the development and implementation of special reports and/or special projects to maintain a sound and solid loan origination process.
• Perform collateral analysis as needed: appraisals, environmental reviews, flood certifications.
• Maintain up-to-date knowledge of the products and services offered by the credit union.
• As required, may assist management in providing on-the-job training to other credit analysts in the department.
• Maintain up-to-date and comprehensive knowledge and application of all state and federal laws and regulations applicable to business accounts and commercial real estate transactions.
• Adhere to NCUA regulations relating to Member Business Lending.
• Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
• Perform other duties as assigned.

No direct reports. Achieves established objectives and results through communications with internal and external stakeholders, managers, and members.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• A bachelor’s degree in finance, business administration, accounting, or other related fields
• 2 years of specific commercial credit analysis experience in a financial institution
• Related commercial real estate work experience
• Working knowledge of financial analysis software

• A bachelor’s degree in finance, business administration, accounting, or other related fields
• Commercial Banking and Credit Analyst (CBCA) or other related certification(s)
• Prior credit analyst work in a credit union
• Previous experience with Symitar

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 20 pounds.

Employment Type:

Full Time

Salary: $56,000 - $84,300 Annual

Bonus/Commission:
No