What are the responsibilities and job description for the Credit Analyst position at Kohler Credit Union?
Crunching Numbers, Creating Impact: Become a Credit Analyst at Kohler Credit Union!
Are you a financial expert passionate about commercial credit analysis and business growth? Kohler Credit Union is looking for a Credit Analyst to join our team! If you're driven by data, enjoy analyzing financial statements, and thrive in a fast-paced environment, this is the perfect opportunity. Use your credit risk evaluation skills to support local businesses and positively impact our members' financial well-being. Join a collaborative team that drives business success and fosters community growth!
Why You'll Love Working at Kohler Credit Union:
At Kohler Credit Union, we are committed to supporting your professional and personal growth. Enjoy a rewarding career with a competitive salary of $50,000 - $60,000, comprehensive benefits including health, dental, and vision insurance, retirement plans, and generous paid time off. You'll benefit from an excellent work-life balance, continuous learning opportunities, and a collaborative, inclusive environment where your ideas and contributions truly make a difference. As a mission-driven organization, we prioritize your well-being and ensure you thrive as part of our team.
What You'll Do:
As a Credit Analyst, you'll be responsible for evaluating and underwriting business credit, making key lending decisions, and working closely with our Commercial Lending Officers to structure the best loans for our business members. This role demands strong attention to detail, excellent analytical skills, and a solid understanding of business credit risk, financial analysis, and loan structures.
Your Day-to-Day Responsibilities:
- Credit Risk Assessment: Analyze financial statements, cash flow, collateral, and other data to assess the creditworthiness of businesses and minimize risks.
- Business Credit Evaluation: Underwrite loans for new and existing business members, ensuring credit requests align with our lending policies and risk guidelines.
- Loan Structuring: Collaborate with Commercial Lending Officers to determine the optimal loan structure, terms, and covenants to meet business needs.
- Industry Analysis: Stay informed on industry trends and market conditions to support lending decisions and provide valuable insights.
- Regulatory Compliance: Ensure all loan documentation complies with regulatory requirements such as NAICS, HMDA, and other applicable codes.
- Reporting: Generate monthly, quarterly, and annual reports to monitor loan performance and assess credit risk.
What We're Looking For:
- Education: An Associate's Degree is required; a Bachelor's Degree in Finance, Accounting, Economics, or a related field is preferred.
- Experience: 2-4 years of experience in commercial credit analysis, loan underwriting, or a similar role within a financial institution.
- Skills: Expertise in financial statement analysis, cash flow evaluation, credit risk assessment, and loan underwriting. Knowledge of commercial lending and business credit is essential.
- Bonus Points: Familiarity with financial tools like Moody's Analytics Lending Cloud, TransUnion Credit Reporting, and IbisWorld is a plus.
- Other: Ability to adhere to financial regulations and compliance standards.
What Kohler Credit Union Offers:
- Comprehensive Benefits: Medical, Dental, Vision, 401k, Life Insurance, Health Savings Account, Flexible Spending Account, Paid Time Off, Pension, and more!
- Competitive Salary: $50,000-$60,000
- Educational Support: Tuition reimbursement to foster your professional development.
Ready to elevate your career and make an impact in commercial lending? Apply today to join our dedicated team at Kohler Credit Union and be part of an organization committed to supporting business success!
Salary : $50,000 - $60,000
