Credit Analyst - Business Services

Credit Analyst - Business Services St Louis Community Credit Union - 3.3 St. Louis, MO Job Details Full-time $40,000 - $55,000 a year 1 day ago Benefits Health insurance Dental insurance Flexible spending account Tuition reimbursement Paid time off Parental leave Employee assistance program Vision insurance 401(k) matching Life insurance Referral program Qualifications Portfolio monitoring Commercial banking expertise Compliance with loan regulations Phone communication Credit risk assessment Financial reporting Bachelor's degree in finance Regulatory compliance Bachelor's degree in business Commercial lending Mid-level Finance Bachelor's degree Attention to detail Driving Task prioritization Data entry Business Administration Bachelor's degree in accounting Business Accounting Credit analysis Client interaction via phone calls Full Job Description

POSITION TITLE

Credit Analyst -

Business Services STATUS:

Exempt

DEPARTMENT

Business Services Reporting Relationships Position Reports To:

Senior Vice President of Business Services Positions Supervised:

None

JOB SUMMARY

Have good knowledge of current Business Services Credit policy. Review a credit request(s) to determine new and / or current Borrower(s) and Guarantor(s), transaction purpose, transaction type, term, repayment structure, and potential collateral. Analyzes financial statements, tax returns, credit reports, along with other financial and collateral information to determine the ability of a potential or existing Borrower(s) and Guarantor(s) to repay new and renewal credit transactions, along with feasibility of modifications to new and existing credit transactions. Monitors existing transactions in credit portfolio on a daily, monthly, quarterly, semiannually, and annual basis to assure compliance with terms, conditions, financial reporting, along with qualitative and quantitative covenants in executed loan documents for Borrower(s) and Guarantor(s). Knowledge of credit union products and services for providing service and solutions to current and potential business members according to all credit union policies and procedures and Federal and State rules and regulations. Essential Functions 1. Have good knowledge of current Business Services Credit Policy. 2. Review assigned credit request(s) to determine new and / or current Borrower(s) and Guarantor(s), transaction purpose, transaction type, term, repayment structure, and potential collateral. 3. Discuss assigned transactions with Assistant Vice President (AVP), Vice President (VP), and Senior Vice President (SVP) of Business Services for clarification and understanding as request. 4. Collect Borrower(s), Guarantor(s), collateral, and background information to evaluate transaction, following up on content and accuracy. 5. Analyze financial statements, tax returns, credit reports, along with other financial and collateral information to determine the ability of a potential or existing Borrower(s) and Guarantor(s) to repay new and renewal credit transactions, along with feasibility of modifications to new and existing credit transactions. 6. Monitor existing transactions in credit portfolio on a daily, monthly, quarterly, semiannually, and annual basis to assure compliance with terms, conditions, financial reporting, along with qualitative and quantitative covenants in executed loan documents for Borrower(s) and Guarantor(s). 7. Knowledge of credit union products and services for providing service and solutions to current and potential business members according to all credit union policies and procedures and Federal and State rules and regulations. 8. Understand and comply with all state and federal regulations and laws. Ensure loan documents are in compliance with all Federal and State regulations including the Bank Secrecy Act requirements. Bank Secrecy Act knowledge will be determined by the employee's position and responsibility. Each employee of St. Louis Community will be held to and accountable for each of the areas outlined in our " ACT " plan listed below:

Accountable Reliable:

ready to work at scheduled times

DWYSYWD:

do what you say you will do

Responsible:

perform job duties accurately, on time and within budget; don't pass the buck when something goes wrong

Resourceful:

run it like you own it (use CU resources wisely) Avoiding actions that warrant a write-up Compliant Adhere to all Credit Union policies and procedures Having a strong attention to detail to avoid repeated errors and errors due to blatant negligence.

Teammate Supportive:

help your co-workers succeed

Cooperative:

work together, not in isolation (together, everyone achieves more)

Golden Rule:

treat others the way you want to be treated

Attitude:

help create a friendly and positive atmosphere wherever you are Having no negative internal survey reports

Additional Responsibilities:

1. Complete special projects and miscellaneous assignments or functions as required and/or assigned.

Qualifications:

1. Bachelors' Degree in Business (Accounting or Finance preferred). 2. Some experience in a small business or commercial relationship lending. 3. Ability to communicate clearly with credit union members both in person and over the phone (orally and in writing) as well as staff. 4. Must be able to handle pressure and deadlines exceptionally well. 5. Must have the ability to set priorities and obtain established goals. 7. Must be able to work precisely and accurately with numbers and legal documents. 8. Must have a professional appearance and member-service oriented in both attitude and performance.

Physical Requirements:

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to do data entry, stand / walk, bend / stoop / crouch, kneel / push / bend, talk and / or hear. The employee must occasionally lift and/or carry up to 30 pounds. The employee must occasionally drive from his or her home office to different branches. Apply at www.stlouiscommunity.com Go to the career tab

Pay:

$40,000.00 - $55,000.00 per year

Benefits:

401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Life insurance Paid time off Parental leave Referral program Tuition reimbursement Vision insurance Application Question(s): How many years of small business or commercial relationship lending do you have?

Education:

Bachelor's (Preferred)

Work Location:

In person