This position assists in evaluating the financial statements and
condition of individual and commercial loan members applying for credit.
Analyzes basic personal and corporate loan portfolio financial statements for
loan risk rating and monitoring purposes on a single loan or relationship basis.
Performs timely and accurate annual reviews to monitor credit quality and early
identification of deterioration of credit quality for smaller loans. Analyzes
such items as income, quality of management, market share, potential risks and
collateral appraisal. Prepares loan presentations, which includes credit
analysis and a summary of the loan request.
Commercial Lending Credit Analyst 1, you will have opportunities to: Be mentally
simulated and provided with the opportunity to use problem solving skills Be an
important part of a fun, friendly and fast-paced team Self-manage your day to
day work schedule
- Assumes responsibility for establishing and
maintaining effective communication, coordination, and working relations with
Credit Union personnel and with management.
- This may include coordinating
functions with related departments, providing support as needed, keeping
informed of area activities and of any significant problems, attending and
participating in meetings and committees as required and completing required
reports and records.
- Must comply with applicable laws and regulations, including
but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of
Foreign Assets Control.
- Supports members of the Commercial Credit Analysis team
to fully understand credit requests, including research assistance and data
collection to complete loan presentations and annual reviews.
smaller existing and prospective commercial client requests.
- Tasks include
analytical review of all financial statements, comparison of the client’s
historical financial performance with industry and competitor trends. Reviews
and help recommend various reports and other loan approval conditions. Reviews
and ensures commercial loan policy compliance throughout the commercial lending
- Utilizes and maintains credit analysis software.
- Assumes responsibility
for establishing and maintaining effective and professional business
- Answers routine questions and resolves simple requests.
- This may
include assisting department personnel with administrative tasks as needed, and
maintaining and protecting the Credit Union’s professional reputation.
Qualifications | Experience
- The candidate should have a clear understanding
of general accounting principles as well as general knowledge of business and
- Candidate should also have some knowledge of commercial lending
programs, policies and procedures as well as an understanding of financial
analysis and determination of credit worthiness.
- Some knowledge and
understanding of balance sheets and income statements or tax returns a plus.
- Also, some knowledge of different corporate entities will be beneficial for this
- Strong analytical and communication abilities.
- Bachelor’s degree in business or a related
field, or an equivalent combination of training and work experience.
Interpersonal Skills Courtesy and tack are essential elements of the job.
involves personal contact with customers and others inside and outside the
organization, generally regarding fairly routine matters for the purposes of
giving and obtaining information or instructions, updating or referring.
Communications require shorter and not in-depth discussions most of the time.
- Perform primarily sedentary work with limited physical
exertion and occasional lifting of up to 10 lbs.
- Must be capable of climbing /
descending stairs in emergency situation.
- Must be able to operate routine office
equipment including telephone, copier, facsimile, and calculator.
- Must be able
to routinely perform work on computer for an average of 6-8 hours per day, when
- Must be able to work extended hours whenever required or requested by
- Must be capable of regular, reliable and timely attendance.
- Must be able to routinely perform work indoors in climate-controlled
shared work area with minimal noise.
Mental and/or Emotional Requirements
be able to perform job functions independently or with limited supervision and
work effectively either on own or as part of a team.
- Must be able to read and
carry out various written instructions and follow oral instructions.
- Must be
able to speak clearly and deliver information in a logical and understandable
- Must be capable of dealing calmly and professionally with numerous
different personalities from diverse cultures at various levels within and
outside of the organization and demonstrate highest levels of customer service
and discretion when dealing with the public.
- Must be able to perform
responsibilities with composure under the stress of deadlines / requirements for
extreme accuracy and quality and/or fast pace.
- Must be able to effectively
handle multiple, simultaneous, and changing priorities.
- Must be capable of
exercising highest level of discretion on both internal and external
- Acknowledgement Nothing in this position description
restricts management’s right to assign or reassign duties and responsibilities
to this job at any time.
- Reasonable accommodations may be made to enable
individuals with disabilities to perform the essential functions.
- This job
description is not a contract and should not be construed as a guarantee of
employment for any specific period of time.
- Advia Credit Union is an Equal
Opportunity Employer and does not discriminate against employees or applicants
based on race, color, religion, sex/gender, national origin, disability, age, or
any other category protected by law.
About the Organization
Advia is a
fast-growing Credit Union that is positioned in the top 3% of credit unions
across the United States with nearly 2 billion in assets. We offer very similar
product and services as the big banks with a focus on saving our members money
while providing financial advantages. We are rooted in our communities and
believe we have a responsibility to give back outside of our four branch walls
through volunteering and charitable donations. The work environment at Advia is
fast-paced, performance based and fun infused. We certainly live by the saying
“work hard, play hard.” As an employee of Advia, you can expect regular and
constructive feedback, development opportunities, great benefits, excellent
co-workers and engaged managers.
How to Apply
Advia Credit Union