Self-Help Credit Union · 5 hours ago
Senior Credit Analyst
NC-Durham-301 W Main
Full-time
Onsite
Mid, Senior Level
3+ years expSelf-Help Credit Union is dedicated to creating economic justice and opportunity for underserved communities. The Senior Credit Analyst will focus on loans that support small businesses and other community organizations, managing loan processes, conducting credit analyses, and building relationships with clients.
Banking
Responsibilities
Works cooperatively in teams through the full life cycle of a loan
Manages internal files and checklists, set-up and data entry into software systems, and communicates updates and requests to internal and external partners
Maintains organized electronic files and accurate records for audits and compliance
Works within established deadlines, follows through to meet them, and helps establish certain deadlines for loan teams
Demonstrates ability to independently manage complex, competing priorities and communicate well
Reviews construction disbursements and supports assessment of construction risk, including tracking project progress against budgets and timelines
Coordinates due diligence efforts and ensures third-party reports (appraisals, environmental, construction budgets) are completed and reviewed by others
Ensures tasks are completed to support industry, financial, and risk assessment analysis
Efficiently builds an initial, comprehensive credit analysis that identifies questions to help evaluate the creditworthiness of commercial loan applications using multiple sources of information, including tax returns, financial statements (personal and audit), appraisals, credit reports, and cash flow analysis
Discusses questions with more senior credit staff and/or Borrower if follow-up information is needed
Presents recommendations to more senior credit staff for resolving situations and exercises independent judgement
Independently prepares drafts of certain sections of the credit memo for more senior credit staff to review
Consistently provides clear guidance and requests for information to external customers, with limited direction and on increasingly complex tasks
Provides timely, clear, and complete customer service to internal requests for support and task completion
Builds rapport and relationships both internally and externally sufficient to seamlessly accomplish the work and build trust with borrowers
Successfully and efficiently completes work, without prompting
Produces consistently high-quality work products with accuracy and attention to detail
Contributes independently to activities to support loan life cycle, taking on an appropriate share of loan assignments and workload to support team balance
Learns about key issues that could impact relationships or loan transactions
Proactively advises more senior credit staff about key issues that could impact relationships or loan transactions
Identifies and implements opportunities to streamline processes and improve analytical tools
Perform other duties as may be deemed necessary
Qualification
Required
Bachelor's degree in related field OR equivalent related experience and 3 years of professional experience, with 2 years of relevant commercial lending experience preferred
Bilingual fluency in English and Spanish
Strong commitment to our mission – creating economic opportunity for traditionally underserved communities
Preference for working in organizations that place priority on teamwork and collaboration
Self-motivated, self-starter with a keen attention to detail, ability to effectively organize and prioritize work
Ability to learn new information quickly and apply such learnings
Strong technical aptitude to learn new systems, proficiency in Excel and Word
Ability and willingness to work beyond normal work hours, as needed
Ability to demonstrate Self-Help's Core Values: Mission Before Self, Service With Excellence, Embracing & Promoting Change, Results Not Credit, Diversity as a Strength, Financial Sustainability for Mission Impact
Company
Self-Help Credit Union
Self-Help is a family of nonprofit organizations whose mission is to create and protect ownership and economic opportunity for all.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
unknownKey Investors
Truist Foundation
2024-02-14Grant
Leadership Team
Marcus Bowen, CFA, CPA
Chief Financial Officer
Kimberly Jones
Vice President, Director of Partnerships & Community Engagement-Midwest
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