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APCU/Center Parc · 7 hours ago

Business Lending Credit Analyst (Hybrid)

Atlanta, GA

Full-time

Hybrid

Entry, Mid Level

$56K/yr - $84K/yr

2+ years exp

Atlanta Postal Credit Union (APCU) is dedicated to helping its members achieve financial success. The Business Lending Credit Analyst II role involves conducting comprehensive analytical reviews of commercial loan requests and ensuring compliance with lending policies, while providing support to the Business Lending and Business Services areas.

CreditFinanceFinancial ServicesLending

Responsibilities

Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:

Spread and analyze financial statements, including cash flows, performance ratios, and proformas to develop initial assessments by identifying strengths and weaknesses pertaining to a borrower’s past and future performance

Coordinate completion and reviews of MBL loan requests of any loan relationship/request size, including commercial vehicles, equipment, and real estate

Work with Loan Officers in preparing in-depth written analyses on loan relationships for presentation in the approval process. This includes credit investigation of borrowers and guarantors; economic and market conditions as they relate to the company, industry, and market area; historical financial analysis, and analysis of a guarantor’s financial position and cash flow coverage

Collect and maintain industry data; research industry specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Present compiled data and recommends enhancements

Attend loan approval and loan audit meetings as required and requires the ability to answer questions regarding an analysis of a particular loan proposal. Prepare entire proposal packages, as necessary

Establish and maintain credit files for each relationship. Ensure that member’s credit information such as loan documentation, financial statements, tax information, insurance binders, credit history from trade references, and correspondence are incorporated in the credit file, are current, and are obtained in a timely manner. Notify management of any violations, and request follow-up to resolve or waive

Prepare and send out notification letters to members requesting updated credit information and financial statements, as necessary

Assist the department manager in writing or updating policies and procedures relating to Member Business Lending

Provide support to management in the development and implementation of special reports and/or special projects to maintain a sound and solid loan origination process

Perform collateral analysis as needed: appraisals, environmental reviews, flood certs

Effectively uses written and oral communication skills in daily correspondence and completion of tasks

Maintains up-to-date knowledge of the products and services offered by the credit union

As required, may assist management in providing on the job training to other credit analysts in the department

Maintains up-to-date and comprehensive knowledge and application of all state and federal laws and regulations applicable to business accounts, and commercial real estate transactions

Adhere to NCUA regulations relating to Member Business Lending

Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position

Perform other duties as assigned

Qualification

Commercial credit analysisFinancial analysis softwareCommercial real estate experienceBachelor's degree in financeCBCA certificationCommunication skillsTeam collaboration