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Gesa Credit Union · 21 hours ago

Sr. Commercial Loan Credit Analyst

Yakima, WA

Full-time

Hybrid

Mid, Senior Level

$83K/yr - $139K/yr

5+ years exp

Gesa Credit Union is committed to empowering communities through its dedicated team. The Sr. Commercial Loan Credit Analyst is responsible for analyzing commercial credit requests, preparing credit approval documents, and assisting loan officers throughout the loan process.

CreditFinancial ServicesLending

Growth Opportunities

Responsibilities

Spread and analyze personal and business financial information as well as entity ownership structures to understand creditworthiness of proposed loan. Recommend loan structures and terms to loan officers

Prepare Credit Approval Document, with ability to complete 100% of the document including financial spreadsheets, cash flow analysis, global cash flow, and RMA industry analysis

Underwrite renewals, modifications, and extensions of existing credits

Ensure that all credit files include proper documentation including current financial statements, agency reports, etc. Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system

Assist Loan Officers in preparing letters of interest and loan commitment letters

Assist Loan Officers with portfolio monitoring activities including annual loan reviews and problem loan reports

Supervise and assist other members of the credit analyst team in the absence of the Commercial Credit Analyst Manger

Accurately process daily commercial credit transactions including but not limited to: (a) answering incoming phone calls, (b) performing the initial credit analysis to determine if member’s credit requests satisfy policies and procedure guidelines, and (c) preparing and processing all documentation for those credit transactions

Assist Commercial Loan Processors in ordering appraisal, environmental reports, and appraisal logs

Provide support to credit union members and staff in explaining commercial credit policies and procedures

Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities

Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities

Maintain a professional work environment and work under restricted time constraints

Maintain awareness of state and federal laws, regulations, and Gesa’s member business lending policies and procedures

Demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations

Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge

Manage areas of responsibility, perform duties and control risk in a safe and sound manner

Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrity

Qualification

Commercial credit analysisFinancial statement analysisCash flow analysisRMA industry researchMS Office proficiencyCustomer serviceTeam collaborationEffective communication

Required

Four (4) year college degree or completion of a specialized course of study at a business or trade school preferred, but not required; or equivalent experience

Five (5) or more years of similar or related commercial credit analysis experience preferred

Must be able to work under pressure and manage workflow to provide a high level of member service

Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms

Some travel may be required to fulfill duties, career development, and/or responsibilities