Portfolio Credit Analyst

UNIFY Talent Acquisition
Torrance, CA Full Time
POSTED ON 8/28/2022 CLOSED ON 10/7/2022

Job Posting for Portfolio Credit Analyst at UNIFY Talent Acquisition

Overview:

UNIFY Financial Credit Union is one of the nation’s largest 100 credit unions with a reputation for being financially sound and growth-oriented. We’re expanding rapidly to meet the needs of a growing member base. At UNIFY, our team members work together to strive toward a common goal, “providing superior service to our members.” In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful

Summary:

  • Provide Credit Analysis and recommendations on the credit worthiness of both new and existing individual Business Loans.
  • Promotes, processes, analyze and services Credit Union Business Loan Products, Services and Programs.

Responsibilities:

  • Calculate and determine available Cash Flow for debt service coverage and global debt service coverage on both new and portfolio Loans
  • Determine appropriate loan structure and make deal recommendations to adhere to loan condition compliance including covenant stipulations
  • Ongoing calculation of Guarantor’s new worth and liquidity with recommendations for continual upkeep and compliance
  • Calculate and assign risk ratings to individual loans
  • Maintain high level understanding of respective formulas and calculations as it relates to Cash Flow Analysis, Debt Service Coverage, Loan Life Coverage, Risk Ratings etc.
  • Ensures a full and complete working knowledge of all Credit Union Business loan products, programs, policies, procedures and current and future regulatory laws and guidelines.
  • Ensures a full and complete working knowledge of operational functions, including but not limited to, escrow impound accounts, SBA and other governmental agency reporting, variable rate loans index tracking.
  • Complete quality control examinations of loan files after funding as required for regulatory and secondary market investor compliance.
  • Contact existing Borrowers for required financial documents for compliance and analysis. Track and input information into Unify systems to generate reports.
  • Spread financial statements to analyze ratios, trend analysis, and prepare narratives incorporating internal and external factors.
  • Ensures loan files are always examination ready.
  • Works with participation partners and borrowers ensuring required documentation is received for loan files.
  • Prepares monthly Board reports relating to Member Business loans.
  • Communicates with the loan master servicer to acquire necessary reports and information to create journal entries to record loan activity.
  • Attends industry/professional seminars, training, etc. as needed
  • Ensures full compliance with UNIFY Financial Credit Union Service Standards, policies, procedures, and the Bank Secrecy Act.
  • Performs other duties as assigned.

Qualifications:

  • Bachelor's degree required. Finance, Accounting, or Economics Bachelor’s or above preferred
  • Three years of business or commercial loan processing/underwriting experience in a financial institution setting preferred
  • Requires the ability to communicate effectively, both verbally and in writing
  • Proficiency in spreadsheet and word processing software applications
  • Ability to work independently and willingness to learn finance, accounting, and tax return analysis.

See the UNIFY Difference!

At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.

Competitive Compensation and Excellent Benefits Package* Includes:

Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance
Dependent and Medical Care - Flexible Spending Accounts
Vacation, Sick, Personal and Holiday Pay
401(K) Plan with employer match
Education reimbursement for approved programs
UNIFY banking privileges for you and your family

  • All programs subject to review and change

UNIFY is proud to be a drug-free, equal-opportunity employer including disability/vets. For more information on UNIFY, visit us at www.unifyfcu.com

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