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Hudson Valley Credit Union · 2 weeks ago

Commercial Credit Analyst II

Poughkeepsie, NY

Full-time

Onsite

Mid, Senior Level

$88K/yr - $104K/yr

5+ years exp

Hudson Valley Credit Union is currently recruiting for the position of Commercial Credit Analyst II. The role involves performing in-depth commercial credit analyses on complex files and making recommendations on approvals while determining appropriate risk ratings for various commercial products.

BankingCreditFinancial ServicesInsurance

Responsibilities

Perform in-depth commercial credit analyses, generally on the more complex and time sensitive files that are consistent with HVCU format, policy and procedures, comprehensive and contain thorough and relevant analysis, and are free of typographical, grammatical and mathematical errors that require limited or no editing by the Supervisor, Commercial Credit/AVP, Commercial Lending. To include identifying recurring and non-recurring sources of cash flow, the Borrower’s ability to cover debt service, and the ability of the guarantor to support the Borrower

Assign the appropriate risk rating based on identified financial trends, risks, mitigants and policy exceptions. Recommendations are to be supported by financial spreads, investigative data (credit reports; lien & litigation searches, etc.) and where applicable global cash flows, covenant compliance assessments or other such analytical measures

Assist with loan structure and mentoring of other credit staff, on an as needed basis

Complete commercial credit analyses within specified deadlines

Maintain the Credit Union’s commercial loan portfolio by performing annual reviews, renewals, extensions and modifications on existing borrowing relationships

Respond to inquiries relating to his/her particular area, or to requests from other HVCU personnel, members, etc. within given timeframes and within established policy

Achieve goals assigned to the Credit Analyst II as part of the departments’ annual operating plan. To include initiating and implementing process improvements to enhance member experience and increase department efficiencies

Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned

Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism

Responsible for regular and predictable attendance including punctuality