Commercial Lending Credit Analyst I at Sierra Central Credit Union

Yuba City, California, United States -

Full Time

Start Date

Immediate

Expiry Date

31 Dec, 25

Salary

0.0

Posted On

02 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Communication Skills, Organizational Skills, Attention To Detail, Problem Solving, Financial Analysis, Credit Analysis, Data Analysis, Microsoft Excel, Microsoft Word, Teamwork, Confidentiality, Time Management, Flexibility, Professionalism, Discretion, Independence

Industry

Banking

Description

Description On-Site in Yuba City, CA. Remote work not available. Summary The Commercial Lending Credit Analyst is responsible to review and trend smaller commercial credit-based decisions to analyze the credit union’s risk, measure commercial lending compliance to credit union policies and procedures, and measure credit risk concentrations. This position requires an ongoing sense of urgency, vision and a high level of confidentiality in regards to all credit/risk areas of Sierra Central Credit Union. Essential Functions Inputs financial data and prepares credit documents in conjunction with loan officers for credit analysis for loan relationships of average complexity to determine the borrower’s financial condition and ability to repay using available financial data such as tax returns, financial statements, personal financial information, etc. Assists the department in the preparation of accurate credit approval documents, in accordance with department procedures, policies and regulations. Under limited supervision and following existing policies and procedures as well as all laws and regulations is responsible for supporting various processes and systems within the Commercial Lending Department. Responsible for preparing internal and external correspondence, compiling various reports, assisting in the maintenance of borrower files and records and assisting in special projects. Provides an independent analysis of credit quality for loan relationships of average complexity to determine borrower’s financial condition and ability to repay. Supports credit and lending staff through completion of particular analysis required. Assist loan officers and underwriting staff in the credit process by preparing financial statement spreads, tax analysis, cash flow analysis, DSCR, etc. Pulls credit reports on borrowers and guarantors, reviews member organization documents and prepares information necessary to the risk evaluation process. Responsible for compiling, organizing and analyzing data and reports for the VP Lending, loan officers and management including but not limited to department performance reports, compliance and internal monitoring, special projects reporting. Gathers commercial loan documentation, agreements, leases, contracts and other technical documentation of a legal nature as required. Assists with the internal servicing of the portfolio by completing credit inquiries, completing risk rating and change documentation. Assists with the management of the portfolio and tracking process, including gathering and entering data for various reporting events, covenant and tickler management, annual reviews, change requests, etc. Responsible for the efficient and accurate spreading of both corporate and individual financial statements and the preparation of cash flow analysis in accordance with prescribed procedures. Assists in the preparation, for certain loan products such as real estate, through analysis of rent rolls, appraisals, market comparisons, financials statements and other information as available. Prepares other types of analyses as warranted, including, but not limited to combined or global cash flows, financial covenant calculations, collateral evaluations, loan and deposit relationship reports and credit inquiries. Additional duties as assigned. Requirements Required Skills and Abilities Excellent communication skills, both verbal and written. Excellent organizational skills and attention to detail. Ability to perform high level complex lending tasks independently as well as with a team while using discretion in decision making and sound judgment in problem solving. Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to operate the following equipment: printer, telephone, calculator, fax machine, copier, and other general office machines. Ability to effectively present information in one-on-one, small and large group situations to members, other employees of the organization, the Board of Directors, Supervisory Committee, and External Auditors as necessary. Must be flexible and self-motivated. Must work well under pressure, meeting multiple and sometimes conflicting deadlines. Must be able to communicate well with other credit union employees and demonstrate independence. Must at all times demonstrate cooperative behavior with colleagues and supervisors. Must be able to demonstrate a professional attitude and appearance for the success of this position. Education and Experience Bachelor’s degree with emphasis on Finance and/or Accounting; or high school diploma and a minimum of 5 years financial institution experience preferably in a commercial lending environment; or equivalent combination of education and financial institution experience. Must be highly proficient in Microsoft Word and Excel. Knowledge of LaserPro Loan document production software desirable. Must be familiar with business lending acronyms, standards and system terminology. Physical Requirements and Work Environment The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Prolonged periods of sitting at a desk and working on a computer – 7 to 8 hours per day. Light lifting, carrying, pushing and/or pulling objects up to 25 lbs. Intermittent walking and bending. General office environment: works generally at a desk in a well-lighted, air-conditioned cubicle/office, with moderate noise levels. The preceding list of duties does not include all tasks and responsibilities that may be required with this position. Additional tasks may be assigned, as departmental and operational needs require.

Responsibilities

The Commercial Lending Credit Analyst is responsible for reviewing and trending smaller commercial credit-based decisions to analyze the credit union’s risk and ensure compliance with policies and procedures. This role involves preparing credit documents, analyzing financial data, and supporting the lending staff in the credit process.