Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Commercial Credit Manager
Cobalt Credit Union - Headquarters
7148 Towne Center Parkway
Papillion, NE 68046
Hours: Monday through Friday 8:00am to 5:00pm
As our Commercial Credit Manager, you will oversee the credit and risk management of the commercial and residential construction lending portfolios. The role will be responsible for leading the credit analyst and administrative employees within the department. This position will also directly manage the problem loan credit relationships within the portfolio by ensuring quality service and to help achieve strategic objectives and goals for the department.
You’re the person responsible for creating a positive member experience by ensuring limited risk. It’s important that you maintain a high level of confidentiality, security, and safety. Communication with internal and external members is an important aspect of this role.
Cobalt Credit Union, based in Papillion, Nebraska, employs over 250 team members throughout our twenty-four locations. Cobalt Credit Union was established in 1946 to serve the military and we now offer our services to all community members within the counties that we serve. As a not-for-profit company, our mission is to be our members' trusted financial partner providing tailored solutions to support them throughout their life events. As an organization we believe in developing our employees through ongoing training and individualized coaching. We are a family-oriented culture who cares about our employees and we pride ourselves on offering our employees growth opportunities within the organization.
Equal Opportunity Employer/Vet/Disabled