Mortgage Credit Analyst assesses the risk and creditworthiness of loan applicants and recommends loan approval, terms, or application denial. Gathers necessary credit, income, and tax information to conduct financial assessments. Being a Mortgage Credit Analyst reviews and verifies property appraisals, collateral value, and key indicators such as debt-to-income and loan-to-value ratios. Prepares a detailed credit analysis and summary using underwriting guidelines, risk assessment frameworks, and following applicable regulatory compliance. Additionally, Mortgage Credit Analyst may require a bachelor's degree. Typically reports to a manager. The Mortgage Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Mortgage Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
At Alabama Credit Union, our employees feel good about their careers. We create an environment rich in learning and advancement opportunities, community support activities, and chances to provide input on company initiatives.
IT Analyst's overall responsibility is maintaining the HP UNIX computer system and communication links. Manages resources dedicated to supporting office automation, end-user equipment, systems security, and database administration.
Essential Functions & Responsibilities:
The IT Analyst provides primary support for the credit union's HP UNIX computer system which includes planning, implementing, maintaining, and troubleshooting network and system hardware and software. Responsible for planning, implementing, maintaining, and otherwise supporting the HP UNIX computer system, wide area communications, database systems, systems security, and access controls. Participates in short and long-range planning for the department to select and utilize appropriate technologies to meet the evolving needs of the credit union and its members. Directs and coordinates the testing of new releases and upgrades pertaining to applications. Organizes and manages the decision process of new enhancements found in new releases or upgrades.
Performance Measurements:
1. Maintains FiServ Spectrum system so that it is fully functional and online at all times.
2. Ensures prompt response to and recovery from systems and related production interruptions, across multiple hardware platforms and operating systems.
3. Ensures that HP UNIX system is up-to-date with all known patch levels. Ensures that FiServ Spectrum system is updated with all current software.
4. Assures adequate safeguards against security/integrity risks.
5. Identifies opportunities to improve services to the credit union and/or its members through use of new products and technologies.
6. Serves on High Performance Teams and supports other HPT efforts.
Knowledge and Skills:
Experience: Five or more years of similar or related experience, to include at least two years of Fiserv/Spectrum back office experience including UC4, Query3k, HPUX, AskPlus, SuprTool, PowerBroker, HPUX System Applications, standard back office processing, and FiservReleaxe/VUP experience.
Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).
Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills:
1. Knowledge of office automation products, word processing, spreadsheet, e-mail, personal computers, PC operating systems, peripheral equipment, etc.
2. Must be able to work and travel independently and use general office equipment.
To apply for the IT Analyst position:
Interested candidates may apply online no later than June 28, 2024 at the Alabama Credit Union Careers page: www.alabamacu.com/Careers
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