Commercial Loan Credit Analyst

How to apply: Complete an Online Application at our website www.capedcu.com for the specific job opportunity that interests you. Resumes are not accepted in lieu of an application.

*This position will have the opportunity to be remote hybrid after a training period upon hire*

Role: The Commercial Loan Credit Analyst provides financial services of superior quality and convenience through conducting comprehensive credit analysis of new and existing commercial & industrial, construction and commercial real estate loan relationships, develop critical written analysis of new loan opportunities, manage the portfolio, and review/renew existing portfolio credit relationships. This position collaborates with internal team members to accomplish these functions and frequently interacts with members.

 Pay: The pay for this position is $71,980.58 annually.

Essential Functions & Responsibilities:

• Provide comprehensive credit analysis of new and existing commercial & industrial, and commercial real estate loan relationships. Perform due diligence of new credit opportunities, ensuring loan requests comply with loan policies and procedures, financial statement spreading, reviewing and analyzing financial information and Borrower/Guarantor credit trends, developing detailed written analysis that is comprehensive yet concise, forming an independent judgment-based risk rating opinion, and assisting the loan officer in presenting the credits for loan approval while also helping to protect the quality of the Credit Union's loan portfolio.
• Responsible for completing and performing the required annual loan review/renewal of existing portfolio credit relationships for the commercial loan portfolio.
• Manages the commercial loan portfolio and perform stress-testing and historical trend and ratio analysis to properly assess cash flow, collateral, industry risks, guarantor strength and all other major risks to the Credit Union in lending to these members.
• Serves as a contact to members on both new and existing loans; assists with loan packets and memorandums preparation and facilitating loan closings.
• Assists with construction loans as needed, including but not limited to: ordering inspections, date down endorsements, funding of construction disbursements, and reviewing construction documentation for completion.
• Frequently and consistently collaborates with the Commercial Lending team to complete credit analysis, portfolio reviews and portfolio management responsibilities. Frequently interact with members to gather information.
• Identifies, makes recommendation, and collaborates with other Leads and Management to implement new ideas and/or improve the department's operating methods, standards, training, procedures to increase effectiveness, service sensitivity and productivity.
• Oversees the maintenance of the Commercial portfolio. Serves as a member of the Asset/ Liability Committee (ALCO) to be aware of the overall financial performance of the Credit Union and regularly review the relevance and accuracy of the ALCO model assumptions to make/document warranted changes based on CapEds Business Plan Objectives.
• Maintains expert knowledge of all credit union products, services, and promotions.

Knowledge and Skills:

Experience: Three years to five years of direct 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).

Critical Job Competencies:
Brand Promise and Values: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions.

• Building Strategic Working Relationships: Developing and using collaborative relationships to facilitate the accomplishment of work goals.
• Decision Making: Identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.
• Information Monitoring: Setting up ongoing procedures to collect and review information needed to manage an organization or ongoing activities within it.
• Managing Work: Effectively managing one's time and resources to ensure that work is completed efficiently.
• Technical/Professional Knowledge and Skills: Having achieved a satisfactory level of technical and professional skill or knowledge in position-related areas; keeping up with current developments and trends in areas of expertise.

Very Important Job Competencies:

• Building Partnerships: Identifying opportunities and taking action to build strategic relationships between one's area and other areas, teams, departments, units, or organizations to help achieve business goals.
• Formal Presentation: Presenting ideas effectively to individuals or groups when given time to prepare; delivering presentations suited to the characteristics and needs of the audience.
• Impact: Creating a good first impression, commanding attention and respect, showing an air of confidence.
• Innovation: Generating innovative solutions in work situations; trying different and novel ways to deal with work problems and opportunities.
• Planning and Organizing: Establishing courses of action for self and others to ensure that work is completed efficiently.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Union's business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.

Disclaimer:

NOTICE: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by Capital Educators Federal Credit Union. Please know that Capital Educators Federal Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship. We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas.