Via Credit Union · 2 weeks ago
Business Lending Credit Specialist
Marion, IN
Full-time
Onsite
Mid Level
$21/hr - $27/hr
3+ years expVia Credit Union is seeking a Business Lending Credit Analyst to evaluate the creditworthiness of current and prospective member business and commercial borrowers. The role involves analyzing financial data, assessing risk, and supporting the business lending team to ensure sound lending decisions.
BankingFinancial Services
Responsibilities
Analyze credit information and financial statements to assess profitability and income trends, to present to Chief Lending Officer or Business Lending Committee
Perform cash flow analysis and calculate financial ratios using computer programs, to determine the advisability of granting credit
Compare liquidity, profitability, and credit histories of individual or businesses with similar establishments to determine risk
Apply Via Credit Union Business Lending & Participation Policies throughout the credit underwriting/evaluating process
Prepare loan credit memorandums for new loans, renewals, and periodic reviews; including credit analyses and summaries of loan requests for decision making
Complete Participation reviews and risk analysis to present to Business Lending Committee
Assist supervisor in providing and maintaining financial reporting requirements on members’ credit obligations
Monitor recorded mortgage and final title policies, track lien perfection on equipment loans
Monitor insurance cancellations and renewals, working with members and insurance agencies to obtain renewal policies
Request, complete, and follow up on outstanding Periodic Loan Reviews and present findings to the Business Loan Committee
Prepare month end reports for presentation to Board of Directors
Provide informed, professional, and accurate service and support to all members and team members
Maintain a professional work environment and professional appearance
Performs other business lending duties as assigned
Serves as back up for the Business Lending Loan Processor as needed:
Order Appraisals (via bidding process or AVM), order flood determinations, environmental search, title commitment, and other third-party providers as necessary for loan requests
Prepare loan documents for loan closing, working with title companies and other third-party providers to ensure a smooth loan closing
Fund loan in the credit union’s loan operating system, create tracking records, index loan documents to members’ account
File loan documents with county recorder’s office, BMV, and/or file UCCs with Secretary of State office as necessary to perfect lien
Qualification
Required
Bachelor's degree from a four-year college or university is preferred, with preference in Accounting or Financial or related field; equivalent professional experience will be considered
3-5 years experience with credit analysis, analysis software, and/or accounting software
Excellent computer skills with programs such as Microsoft Office Suite (Word, Excel, Outlook, etc), analysis software, and/or accounting software
As a financial institution, Via Credit Union requires its employees to successfully pass a comprehensive background check and be in good financial standing as a condition of employment and to remain in such standing
Preferred
Experience in public relations preferred
Benefits
Affordable medical and prescription, dental, and vision (employer co-pay)
Flexible Spending Account – Dependent Care & Unreimbursed Medical
Basic Life Insurance (employer paid)
Voluntary Life & AD&D
Long Term Disability & Travel AD&D (employer paid)
Paid Time Off: Vacation, Sick, Personal, 9 paid holidays, and bereavement
Community Service Day: Employer paid
Bereavement Pay
Competitive Pay
Annual Performance Reviews
Incentive Pay: Some positions qualify for incentive pay
401(k): Safe Harbor Non-Elective (employer paid), Elective Deferral: Employee contribution, minimum of 1%, Company Match: Employer contribution, dollar for dollar, up to 3% of annual compensation, Discretionary Profit Sharing
Company
Via Credit Union
Via Credit Union is a financial company that provides investment ,loans and insurance solutions.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Georgette Miller
Senior Vice President and Chief Lending Officer
Karen Mitchener
Chief People Officer
Recent News
2026-01-15
Company data provided by crunchbase