Business Lending Credit Analyst I Position Available In Fulton, Georgia

Business Lending Credit Analyst I Atlanta Postal Credit Union – 2.7 Atlanta, GA Job Details Full-time $23.25 – $29.06 an hour 15 hours ago Benefits Paid holidays Disability insurance Health insurance Dental insurance Paid time off 401(k) matching Qualifications Microsoft Word Microsoft Excel Management Underwriting Writing skills Mid-level Bachelor’s degree Accounting Lending 1 year Credit analysis Full Job Description GREAT opportunity to join our Business Lending team! Seeking past experience analyzing credit and/or underwriting business or commercial loans. Apply today!

Purpose:

The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

Summary:

Under direct supervision provides analytical and credit support to the Business Lending department, in accordance with policy and procedures. Assists with the analysis and evaluation of prospective and current borrowers to maintain a sound loan portfolio.

Pay information:

$23.25 – $29.06 per hour The listed pay information includes the minimum rate of pay to the mid-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector. We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays. Duties and Responsibilities Deliver outstanding service to both internal and external members that is in alignment with our

Service Promises:

I promise to be mindful of your time with fast, efficient, courteous and friendly service. I promise to demonstrate integrity in all of my interactions. I promise to always treat you with dignity and respect. I promise to work with fellow employees throughout the credit union to ensure you receive the best possible products, service and solutions. I promise to safeguard the security and confidential nature of your financial information. I promise to greet you with a smile and thank you for your business when your transaction is completed. I promise to deliver on our mission to help you achieve financial success by providing exceptional products and service. Spread and analyze financial statements, including cash flows, performance ratios, and proformas to develop initial assessments by identifying strengths and weaknesses pertaining to a borrower’s past and future performance. Work with Loan Officers in preparing in-depth written analyses on loan relationships for presentation in the approval process.

This includes:

credit investigation of borrowers and guarantors; economic and market conditions as they relate to the company, industry, and market area; historical financial analysis, and analysis of a guarantor’s financial position and cash flow coverage. Coordinate completion and reviews of MBL loan requests of loan relationship/request size up to $500K, including commercial vehicles, equipment, and real estate. Make recommendation for final approval or denial of loan request to Management. Collect and maintain industry data; research industry specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Present compiled data and recommends enhancements. Assist in establishing and maintaining credit files for each relationship. Ensure that member’s credit information such as loan documentation, financial statements, tax information, insurance binders, credit history from trade references, and correspondence are incorporated in the credit file, are current, and are obtained in a timely manner. Notify management of any violations, and requests follow-up to resolve or waive. Prepare and send out notification letters to members requesting updated credit information and financial statements, as necessary. Support in the annual loan review of existing business relationships to monitor compliance with loan conditions and policy, ensuring that all loan covenants are in compliance. Evaluate loans for changes in risk on an ongoing basis, and make recommendations on risk rating changes in a timely manner. Provide support to Senior Credit Analysts and management in the development and implementation of special reports and/or special projects to maintain a sound and solid loan origination process and portfolio. Assist in performing collateral analysis as needed: appraisals, environmental reviews, flood certs. Adhere to NCUA regulations relating to Member Business Lending. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position. Perform other duties as assigned.

Desired Qualifications:

Bachelor’s degree in a business-related field or comparable experience with a preference to Finance or Accounting majors. A minimum one year of commercial credit analysis experience or related experience in a financial institution. Commercial loan documentation experience preferred. Ability to express oneself clearly and concisely, both orally and in writing. Ability to interact positively with management, coworkers, and members to promote a team effort and maintain a positive attitude even under extreme pressure. Well organized, and able to process detailed information with accuracy and efficiency, and the ability to work independently, meeting deadlines. Comprehensive knowledge regarding application of State and NCUA guidelines pertaining to business accounts and member business loans preferred. Knowledge of Microsoft Word and proficiency in Excel. Excellent attendance/punctuality.

Physical Job Requirements:

Must be physically able to operate a variety of automated office machines such as calculator, typewriter, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend, and stoop as needed. Must be able to lift and/or carry weights of twenty to fifty pounds. APCU Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. APCU Center Parc Credit Union prohibits harassment based on the same protected classes and criteria. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources. Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.