Commercial Credit Analyst

Primary Duties And Responsibilities

General Electric Credit Union is a not-for-profit, member-owned full service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky. At GECU, we pride ourselves on maintaining quality service, being an employee-friendly workplace, and developing our team members while teaching you the skills to lead you to career advancement opportunities.

The Commercial Credit Analyst is responsible for analyzing lending requests and recommending lending decisions based on the credit union’s lending strategy and adhering to policies and applicable regulations, while providing an excellent experience to credit union members.

• Enter borrower and guarantor financials into processing system using solid financial analytical skills and understanding of commercial loan cash flow analysis
• Collaborate with lenders to prepare credit approval memos for both new and renewed loans
• Work closely with the commercial team to gather necessary documentation for annual loan reviews and prepare review memos for management
• Complete loan modification request on existing commercial loans
• Review current industry trends, commercial lending products, and issues specific to collateral to determine the best underwriting guidelines
• Knowledge of and adherence to required federal and state regulations
• Perform other duties as necessary to support the team.

• High school diploma or GED required; associate or bachelor’s degree preferred
• Minimum 2 to 3 years of commercial underwriting experience required
• Preferred Formal Credit Underwriting Training or Certificate

• Ability to work independently with strong organizational skills to manage a pipeline and meet deadlines
• Solid financial analytical skills regarding commercial loan cash flow analysis
• Detailed understanding of various business structures and the associated risks
• Highly detail oriented
• Sound knowledge of Commercial Underwriting systems
• Strong written and verbal communication skills to convey information to both internal and external members
• Understanding of collateral specific issues
• Valid driver’s license and insurability with General Electric Credit Union’s insurance company as well as transportation to complete site visits within GECU footprint

• Health, Dental and Vision insurance
• Life and Disability insurance options
• Paid Time Off starts accruing once hired and take your birthday off
  -paid
• 401k Retirement plan with up to a 10% match of your base gross compensation
• Tuition reimbursement opportunities & professional development
• Volunteer opportunities
  -and earn additional PTO hours!
• On-site clinics for Vaccines and Mammograms

General Electric Credit Union is an Equal Opportunity Employer