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SECU Credit Union · 5 hours ago

Credit Analyst (Business Service Analyst)

Linthicum, MD

Full-time

Hybrid

Mid Level

$74K/yr - $118K/yr

3+ years exp

SECU Credit Union is committed to employee well-being and community service, and they are seeking a Business Services Analyst. The Analyst will provide critical credit and analytical support for loan underwriting, ensuring compliance with regulations while preparing detailed financial assessments and reports.

BankingFinancial ServicesLendingNon Profit

Responsibilities

Prepare loan write-ups from beginning to final product, ensuring accuracy and completeness throughout the process

Gather data from internal and external sources, including financial statements, tax returns, and other relevant documentation

Spread and analyze financial information to evaluate the creditworthiness and financial stability of borrowers

Prepare detailed loan write-ups that summarize financial analysis, risk assessments, and proposed loan structures

Conduct annual reviews of existing loans, including gathering necessary data, analyzing financials, and updating loan write-ups accordingly

Ensure all loan write-ups and reviews comply with SECU policies, procedures, and regulatory requirements

Collaborate with internal teams to gather additional information or clarification as needed to complete loan write-ups and reviews

Compile and present key findings from financial analyses in a clear, concise format for review by management and decision-makers

Assist with the preparation of reports for regulatory compliance, audits, and Board of Directors’ presentations

Qualification

Credit analysisFinancial statement analysisLoan underwritingRegulatory complianceRelationship managementAnalytical skillsSBA productsInterpersonal skills

Required

Bachelor's Degree or equivalent experience required

Strong analytical skills to assess business loan needs, evaluate loan structures, and determine repayment capacity

Solid understanding of business enterprises, underwriting concepts, accounting terms, business financials, tax returns, and lien requirements to present viable business loans

Strong interpersonal skills and the ability to interact effectively with employees at all levels are essential for success in this role

Must be able to remain in a stationary position, often standing or sitting for prolonged periods

Must be able to lift up to 25 pounds