Senior Credit Analyst

Responsibilities

SUMMARY

Examines, evaluates, and approves or recommends approval of member applications for lines or extension of lines of credit, home equity, collection workouts, consumer credit loans, indirect loans, and credit card accounts. Provides guidance and training to other credit analysts, handles loan approvals that are above the limits of the other credit analysts, takes escalated rehash calls, and provides leadership and guidance.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Reviews and decisions loan applications from both the direct and indirect channels.

Analyzes credit data and financial statements to determine credit-worthiness and the degree of risk involved in extending credit or lending money; considers property valuation in decisioning as appropriate.

Operates with a higher approval authority than other credit analysts and makes notes in applications that require this authority.

Provides guidance and training on difficult or complicated loan requests

Accountable for the performance of individual loan portfolio.

Handles escalated dealer and branch rehash calls.

Proactively reaches out to branch managers and dealer F&I managers to address issues, or concerns regarding discrepancies with application information as well as communication challenges from branch and dealer staff members. 

Analyzes previously decisioned loan applications and makes suggestions to management for adjusting and improving lending procedures.  

Reviews the portfolio performance spread sheet and analyzes the specific loan products, credit tiers, and specific dealers that are not performing up to standard.  Makes recommendations to Lending management to improve underwriting and overall efficiency of the lending process. 

Provides consultant services on credit issues and quality to other departments.

Assists in testing changes in lending system and host system programming.

Maintains the security and confidentiality of pertinent information and records.

Maintains a positive and caring atmosphere for members and employees consistent with the Credit Union's mission and philosophy.

Responsible for maintaining a working knowledge of computer equipment and software required including Microsoft Word, Excel, etc.

Qualifications

QUALIFICATIONS 

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.

EDUCATION and/or EXPERIENCE

Bachelor's degree from four-year College or University; and three (3) years related experience; or equivalent combination of education and experience.

OTHER KNOWLEDGE SKILLS AND ABILITIES

Working knowledge of computer equipment and software required including Microsoft Office Suite.  An understanding of state and federal laws.

LANGUAGE SKILLS

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence.  Ability to speak effectively before customers or employees of organization

MATHEMATICAL SKILLS

Ability to compute rates, ratios, and percentages and to draw and interpret bar graphs.  Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.  Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

CERTIFICATES, LICENSES, REGISTRATIONS

None needed.

PHYSICAL DEMANDS 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.  The employee is occasionally required to stand and walk.  The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

TRAVEL

The travel demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Traveling requirements are minimal but may include traveling for additional training or seminars and local traveling between branches.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK SCHEDULE

Must be able to work flexible shifts whether it is 8:00 am to 5:00 pm, 9:00 am to 6:00 pm or 10:00 am to 7:00 pm. Monday through Friday and at least two Saturday’s per month. 

Overview

Founded in 1937, Advancial is one of the oldest and largest credit unions in the country. We are an established and proactive full-service financial institution providing personal, convenient and advanced financial services to individuals and select group partners. Our mission is to create lasting value for our members through superior service, quality products, and innovative solutions.

At Advancial, we always strive to provide the best service and products to our members because we love what we do.  We work together to build a culture that promotes a positive employee experience.  We’ve been named a Best Company to Work for in Texas for nine consecutive years and a Best and Brightest Company to Work For nationally and locally because we’re serious about building fulfilling careers and not just day jobs.

We invite you to learn more about this position and what Advancial has to offer by completing our online application. 

Advancial Federal Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity PostersAdvancial Federal Credit Union participates in the Electronic Employment Verification process.  Please click here for more information.If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please complete the form below. If you’d like to view a copy of the company’s affirmative action plan, please complete this form.