Commercial Credit Analyst II

PRIMARY PURPOSE : This role provides credit analysis for new and existing business members and provides support to the Commercial Lenders in managing risk in the commercial loan portfolio. Performs credit analysis, assesses risk, and assigns risk ratings to borrowing relationships to make loan approval recommendations for medium to large size loans with increasing complexity. This role also conducts annual reviews of existing loans, in addition to providing analysis on Problem Loan Reviews, and ensures compliance with applicable policies, procedures, and regulatory requirements to monitor borrower and portfolio health on an ongoing basis.

ESSENTIAL FUNCTIONS :

• Independently interpret credit and lending policies to prepare written credit presentations and approval recommendations, providing a detailed analysis of borrower's repayment capacity and project risks on loans ranging from $ 1 million to $30 million in size;
• Prepare and analyze financial spreads and other relevant information to assess borrower's ability to repay existing loans and new loan requests interpreting and using financial statements, tax returns and projections;
• Evaluate borrower's profitability, liquidity, leverage, capital structure and other key metrics as compared to similar industry or property types;
• Analyze and evaluate financial capacity of loan guarantors, including preparation of global cash flow analysis;
• Research & evaluate borrower's background, management capability, industry position and competitor's strength;
• Assist in collection of information for annual review preparation to support prudent loan portfolio management and ensuring compliance with NCUA guidelines, as needed;
• Participate in organizational initiatives such as M&A activities and NCUA examination, as assigned;
• Other duties as assigned by manager related to the Commercial Services department.

ADDITIONAL RESPONSIBILITIES :

QUALIFICATIONS :

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range : $58k-$80k plus 10% annual target bonus. The estimated hiring range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Benefits :

Salary : $58,000 - $80,000