Work Location
This position is only eligible for in office/branch work arrangements.
Position Overview
Responsible for providing credit analytic and portfolio management support to Commercial Loan Officers.
Essential Functions
- Prepare thorough borrower analysis (including financial reports with explanations) along with spreading tax returns and financial information
- Ensure adherence to sound analysis and lending practices and maintain compliance within the Commercial & Business Banking (CBB) policies, procedures, regulations, and other compliance obligations.
- Analyze and assist in the interpretation of information related to borrowers and prospects (e.g., management/ business history, environmental issues, risks involved in industry, tax returns, financial statements, etc.).
- Prepare various credit requests, including results of credit analysis and a summary of loan requirements.
- Prepare credit reviews on applicable commercial loans (e.g., complete property inspections (upon request), spread annual financials, rent rolls, etc.).
- Monitor, prepare, and review construction draws, budgets, and accounts receivables agings.
- Ensure all customer files, documentation, and other paperwork are of the highest quality.
- Interview and qualify members who request commercial and business banking services. May process commercial and business Visa, automobile, equipment, and smaller credit line applications to submit for approval.
- Retain and deepen member relationships by assessing member needs and working with Commercial Loan Officers to identify and offer appropriate financial solutions to members.
- Detect, act on, and report potentially fraudulent activity to protect the member and SELCO from losses.
- Educate existing and potential members on SELCO products and services. Assist internal and external members to answer account-related questions and resolve problems.
- Demonstrate and assist others in providing effective leadership, including:
- Maintaining mission, corporate values, service promises and standards.
- Ensuring adequate, effective, and professional communication.
- Fostering a professional, safe, and productive work environment.
- Interact with internal and external customers in a warm and friendly manner, demonstrate a sincere interest and willingness to help.
- Adhere to federal and state regulations, Credit Union policies, and other compliance obligations.
- Participate in required meetings and trainings.
- Represent the Credit Union with a high level of integrity and professionalism
- Adapt to change to accomplish SELCO’s goals and objectives.
- Consistently achieve individual performance goals and contribute to branch and organizational objectives.
- Perform other duties as assigned.
Skills and Abilities
The position requires the following:
- Exceptional customer service skills by using the GVAL-HI approach to providing service. Greet people, Value them. Ask how you can help. Listen. Help them. Invite them back.
- Excellent interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team.
- Effective and professional communication skills in person, over the phone, and in writing, including through electronic channels.
- Ability to systematically gather, read, retrieve, interpret data, and analyze information to make sound decisions.
- Ability to obtain and apply knowledge acquired through job training and self-study of procedures, online accounting courses, educational webinars.
- Computer and software application skills, including Microsoft Office and other business systems.
- Good time management and organizational skills with a high level of initiative, responsibility, and accountability, including the flexibility to adapt to changing business needs and deadlines.
- Ability to work accurately with a close attention to detail.
- Willingness and ability to receive, give, and assimilate coaching and feedback.
- Ability to maintain confidentiality of sensitive information.
- Strong problem resolution and prevention skills.
- Ability to perform duties in an environment with background noise and complete tasks despite interruptions.
- Work ethic that includes dependability, punctuality, and a professional appearance and demeanor.
Education and Experience
- High school diploma or equivalent; and
- Bachelor’s degree in Accounting, Business, or Finance, or successful completion of accounting courses within twelve (12) months of hire date;
- At least one (1) year of experience in a financial institution; and
Physical Demands
While performing the job duties, approximately 95% of the time is spent working at a desk with the remaining time spent moving around work areas. Frequent communication occurs in person, through Microsoft Teams, over the phone, and in writing. This position requires the ability to view a computer screen and interpret printed materials and other documents. This position requires the ability to occasionally lift and transport up to 10 pounds, and there is an occasional need to stoop, kneel, or reach to access documents, equipment, and supplies.
Interaction and Work Environment
Reports To: Commercial & Business Banking Leadership
Work areas are typically inside, in a climate-controlled environment with background noise, distractions, and frequent interruptions.
Material and Equipment Used
Computer, Scanner, Copier, Fax, Calculator/Ten-Key, Phone, General Office Supplies, and Webcam.
Acknowledgement
I have received and reviewed a copy of the Credit Analyst job description. I understand that this job description is not a contract of employment and in no way changes the at-will nature of the employment relationship with SELCO Community Credit Union.