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SECU · 1 month ago

Commercial Credit Analyst I

Albuquerque, NM

Full-time

Onsite

Entry Level

$61K/yr - $77K/yr

1+ years exp

State Employees Credit Union is seeking a Commercial Credit Analyst I to assist the Commercial Loan Department with the analysis of financial information to assess credit worthiness and risk for commercial loans. The role involves preparing loan presentations, conducting periodic reviews of loans, and ensuring compliance with lending regulations and policies.

AccountingBankingFinancial Services

Responsibilities

Take a lead role in the analyses of commercial credit applications and related operations

Responsible for evaluating a borrower's capacity to pay, capital position, economic trends and forecasts in mitigating loan-risk, identifying special risk based on the unique needs of the borrower and the loan, and making recommendations through underwriting to effectively manage commercial credit risk for the

Compile, prepare, and present Credit Approval Presentations for loan

Interview CommercialBusiness members for new accounts and loans

Prepare cash flow analysis of personal and business tax returns and financial statements

Prepare and submit CommercialBusiness loan requests for

Maintain and review commercial loan maturity report

Collect CommercialBusiness loan financial documentation for annual reviews and possible renewals

Complete and update CommercialBusiness loan

Review CommercialBusiness loan call report provided by CFO for

Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on commercial lending

Ensure the Credit Union provides high quality services to its members in lending and related

Participates in any other activities deemed necessary to further support the lending functions of State Employees Credit

Ensures that all Credit Union policies and procedures are followed, comply with all applicable laws, regulations and have strong working knowledge of

Understand compliance issuesattends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act

Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job

Performs other duties as assigned

Job Related Travel - As required

Qualification

Commercial credit analysisFinancial statement analysisRisk assessmentMicrosoft Office proficiencyAnalytical skillsInterpersonal skillsTeamworkAttention to detail

Required

Strong interpersonal relationship/communication skills and attention to detail

Advanced knowledge in the review of commercial credit applications and borrower capacity

Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis

Ability to work independently with little supervision as well as in a team environment

Strong analytical skills

Experienced in the appraisal and underwriting of commercial loans

Proficient with the Microsoft Office

Education or experience equivalent to a bachelor's degree in accounting, Finance, or related field

1 to 3 plus years of relevant experience

Benefits

State Employees Credit Union offers a highly competitive benefits package

Company

SECU

Glassdoor3.4

Even though we're North Carolina's largest credit union, we're still just "people helping people." We currently serve over 2.6 million members through more than 270 branch offices - and growing! Members have 24/7 access to account services from over 1,100 ATMs, as well as via phone, our website, and the SECU Mobile App.

Founded in 1937

Raleigh, North Carolina, USA

5001-10000 employees