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Sandia Area Federal Credit Union · 3 weeks ago

COMMERCIAL LOAN ANALYST

Albuquerque, NM

Full-time

Onsite

Entry, Mid Level

2+ years exp

Sandia Area Federal Credit Union is committed to delivering high-value banking and lending services that strengthen the financial well-being of its members and community. The Commercial Loan Analyst is responsible for providing competent credit analysis, preparing loan presentations, and ensuring operational efficiency while maintaining member satisfaction.

BankingFinancial ServicesNon Profit

Responsibilities

Processes small business credit applications; verifies credit references and information and prepares loan presentations for approval by the Loan Executive Committee

Prepares reports for various purposes, including the monthly board packet, for the Loan Executive Committee, etc

Completes a thorough, in-depth analysis of new small business credit requests, credit requests, renewals and annual relationship reviews. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interviews, and other means

Prepares spreadsheets, loan approval request forms, term loan reviews and summarizes opinions on new, renewing and existing loans

Orders, reviews and documents any concerns with reports required in the loan process including, but not limited to, title commitments, appraisals, environmental reports, purchase agreements and legal opinion letters. Reports findings and concerns to the VP Commercial Lending or above

Monitors loan repayment activities and provides information about delinquent loans to the appropriate loan officer

Reviews and assures all credit and loan files are accurately maintained and up-to-date

Handles member complaints and takes appropriate action to resolve them

Assists the VP Commercial Lending Services with providing regulators and auditors with requested information needed to assess compliance with loan audits, reviews and policy and procedures

Performs property inspection and risk rating analysis as part of the annual term loan review process. Recommends risk rating changes when analysis merits

Reviews loan agreements to ensure they are complete and accurate according to policy

Stays abreast of new types of loans and other financial services and products to better meet member needs

Demonstrate a strong commitment to upholding the organization’s mission, vision, and values in all interactions and responsibilities

Represent the credit union with professionalism, integrity, and ethical conduct at all times

Maintain a thorough understanding and strict adherence to credit union regulations, compliance requirements, policies, procedures, and operational guidelines

Consistently meet deadlines as assigned while ensuring accuracy, efficiency, and adherence to quality standards

Foster a positive and supportive environment for both members and employees, ensuring interactions align with the credit union’s mission and service philosophy

Adhere to all regulatory and compliance policies, upholding the highest standards of security, confidentiality, and ethical financial practices in all interactions

Maintain the confidentiality and security of information, records, and sensitive data, in compliance with credit union policies and regulatory requirements

Adapt to evolving responsibilities, taking on additional duties as assigned to support the success of the organization

Demonstrate a commitment to continuous learning, professional development, and staying informed on industry trends and best practices

Willing to undergo background and credit checks as required by federal and state regulations

Understand and comply with all policies, procedures, and legal guidelines, including adherence to the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and other applicable financial regulations

Qualification

Credit analysisUnderwritingFinancial document evaluationMicrosoft OfficeAnalytical skillsSales energyCommunication skillsInterpersonal skillsTime managementTeam-oriented

Required

Bachelor's degree in related field

Two (2) year(s) of applicable experience required

Minimum 2 years experience in loan production

Extensive experience evaluating various financial documents for lending purposes

Must have strong relationship management experience and skills for key commercial and small business accounts

Expertise in math, finance, and computer applications with a requisite understanding of financial institution operations

Highly developed analytical and underwriting expertise, credit quality focus

Excellent oral and written communication

Well-developed interpersonal skills, to include strong active listening and selling skills

Mature business judgment and decision-making

Ability to use critical thinking skills to evaluate information

Must possess strong sales energy

Exceptional time management and organizational skills, with the ability to prioritize tasks, manage multiple responsibilities, and adapt to a fast-paced environment

Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities

Team-oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high-performing environment

Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint

Ability to perform essential functions, including the ability to lift up to 10 lbs. as needed

Willing to undergo background and credit checks as required by federal and state regulations