Commercial Loan Credit Analyst II

POSTED ON 7/5/2020 AVAILABLE BEFORE 11/13/2020
GESA CREDIT UNION Hired Organization Address Richland, WA Full Time

Job Posting for Commercial Loan Credit Analyst II at GESA CREDIT UNION

Job Details

Job Location:    Richland - Richland, WA
Position Type:    Full Time - Hourly
Salary Range:    Undisclosed



The Commercial Loan Credit Analyst II is responsible for analyzing commercial credit requests and assisting with credit approval recommendations based on analysis and review. The analyst is Involved with spreading financial statements, tax returns and the calculation of cash flows and important financial ratios. The analyst will assist in the completion of loan committee packages and helping the loan officers obtain necessary documentation and provide due diligence to bring the loan request to the closing phase.


  1. Responsible for analysis of personal and business financial information including spreads, cash flow, global cash flow and basic trend analysis.
  2. Prepare Credit Approval Document, with ability to complete 70% of the document.
  3. Underwrite renewals and extensions of existing credits.
  4. Ensure that all credit fries include proper documentation including current financial statements, agency reports, etc. Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system.
  5. Assist Loan Officers in preparing letters of interest and loan commitment letters
  6. Assist Loan Officers with portfolio monitoring activities Including annual loan reviews and problem loan reports.
  7. Accurately process daily commercial credit transactions including, but not limited to: (a} answering incoming phone calls, (b) perfonning the initial credit analysis to determine if member's credit requests satisfy policies and procedure guidelines, and (c) preparing and processing all documentation for those credit transactions
  8. Assist Commercial Loan Processors in ordering appraisa,lenvironmental reports, and appraisal logs.
  9. Provide support to credit union members and staff in explaining commercial credit policies and procedures.
  10. Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
  11. Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.
  12. Maintain a professional work environment and work under restricted time constraints.
  13. Maintain awareness of state and federal Jaws, regulations, and Gesa's member business lending policies and procedures.
  14. Demonstrate support of corporate values, mission and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.
  15. Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
  16. Manage areas of responsibility, perform duties and control risk in a safe and sound manner.
  17. Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by displaying solid ethics and integrity at all times.


  1. To perform financial statement and tax return analysis on various sized entities, including RMA industry research.
  2. To perform basic financial trend analysis and risk rating analysis.
  3. To provide knowledgeable, professional, friendly service to all members.
  4. To maintain up-to-elate and comprehensive knowledge of all credit union products, services, policies and procedures.
  5. To participate in and support a team environment.
  6. To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.
  7. To effectively communicate and receive ideas and information.
  8. To possess and display excellent customer service attributes.
  9. To communicate with supervisor regarding matters of account or lending concern.
  10. To maintain a positive and professional image through effective verbal and written communication.
  11. Ability to work with minimal supervision while performing duties.


  1. Four-year college degree or completion of a specialized course of study at a business or trade school; or equivalent experience.
  2. Two to Five years of similar or related commercial credit analysis experience preferred
  3. Must be able to work under pressure and manage workflow to provide a high level of member service.
  4. Strong oral and written communication skills; strong analytical and research skills.
  5. Good interpersonal skills and team orientation.
  6. Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms.
  7. Some travel may be required to fulfill duties, career development, and/or responsibilities.


Per the Dictionary of Occupational Titles, this is considered a sedentary position.

  • Frequent sitting (31-70%).
  • Occasional walking (11-30%).
  • Seldom standing (1-10%).
  • Ability to lift up to 10 lbs. frequently, including negligible forces.
  • Ability to lift up to 20 lbs. on a seldom basis.
  • Frequent repetitive hand and wrist motions.
  • Work environment is indoors, in a clean office area.

Regular Full Time Employee Benefits


Your Wellbeing:

  • Medical, Dental, and Vision Plans
  • 20 Days Accrued Paid Time Off
  • 10 Paid Holidays
  • Employer Provided Short Term Disability and Long Term Disability
  • Voluntary Pet Insurance

Your Financial:

  • 401k & Roth 401k With Employer Match
  • Employer Provided Life Insurance & AD&D
  • Tuition Assistance & Reimbursement Programs
  • Employee Loan Discounts
  • Annual Incentive Program

Your Extra Perks:

  • Employee Assistance Program
  • Development Training
  • Employee Recognition Program, Gesa Gold &  Service Awards

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a credit/background check, pre-employment drug screen and skills assessment.

Gesa reserves the right not to hire any relatives of or those in a close personal relationship with any Gesa employee, Board member or Supervisory Committee member.

Gesa Credit Union is an Equal Opportunity Employer and, as such, affirms in policy and practice to recruit, hire, train, and promote, in all job classifications, without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic. Gesa Credit Union will not discriminate against persons because of their disability, including disabled veterans, and will make reasonable accommodations for known physical or mental limitations of qualified employees and applicants with disabilities. If you are interested in applying and require special assistance or accommodations due to a disability, please contact our Human Resources department at (509) 378-3100.

EOE/AA - Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran

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