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Advia Credit Union · 7 hours ago

Commercial Credit Analyst

Crystal Lake, IL

Full-time

Hybrid

Mid Level

3+ years exp

Advia Credit Union is a fast-growing organization positioned in the top 3% of credit unions across the United States. The Commercial Credit Analyst role involves evaluating financial statements of commercial loan members, performing credit analysis, and ensuring compliance with lending policies while providing excellent service to members.

BankingFinancial Services

Work & Life Balance

Responsibilities

Utilizes and maintains credit analysis software

Underwrites existing and prospective commercial client requests. Tasks consist of analytical review of all financial statements, comparison of the client’s historical financial performance with industry and competitor trends

Periodically accompany Commercial Lenders on meetings with Commercial Members or at other business development events

Assesses collateral offered and its marketability to make certain the credit relationships meet internal policy guidelines and regulation standards

Reviews and ensures commercial loan policy compliance throughout the commercial lending process, including the review of various reports and loan approval conditions

Works closely with commercial lenders to fully understand the request, establishing and defining credit requirements and risk mitigation to make credit recommendations to the appropriate individual or committee based on credit analysis

Assist the department in training and sharing knowledge with Commercial Credit Analyst I team members

Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management. This may include coordinating functions with related departments, providing support as needed, keeping management informed of area activities and of any significant problems, attending and participating in meetings and committees as required and completing required reports and records

Reviews and helps recommend various reports and other loan approval conditions

Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals. Answers questions and resolves requests. This may include assisting department personnel with administrative tasks as needed, and maintaining and protecting the Credit Union's professional reputation

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Additionally, all employees must follow policies and procedures to minimize risk by exercising judgment, raising questions to management, and adhering to policy guidelines

Qualification

Commercial Credit AnalysisFinancial AnalysisSageworks SoftwareCommercial Lending ExperienceAccounting PrinciplesAnalytical AbilitiesCommunication SkillsInterpersonal Skills