Position Title:

Senior Credit Analyst Reports To:

Director of Commercial Credit & Administration Grade Level:

Full Salary Range:

$75,243.26 - $112,864.88

Hiring Salary Range:

$75,243.26 - $83,971.46

Primary Responsibilities:

The Senior Credit Analyst provides support to the Credit Union's commercial lending activities by independently identifying and quantifying risks related to business credit requests and existing commercial loan relationships, while also assisting with the ongoing administration of the Commercial Credit Department. This role also supports the achievement of department objectives and the success of other Credit team members through mentorship and coaching of less tenured analysts. The Senior Credit Analyst collaborates regularly with senior management and commercial loan officers. Duties must be accomplished in compliance with federal and state laws and in accordance with the credit union's policies and procedures and with constant attention to Alero's creed, vision, mission, and goals.

Additional Responsibilities:

Analyze the financial condition and repayment capacity of commercial borrowers and guarantors in relation to new loan requests and renewals. Calculate and interpret key financial metrics to assess cash flow, leverage, liquidity, collateral coverage, debt serviceability, etc. Translate analysis findings into well-written loan presentations within established deadlines to allow credit officers to make informed loan decisions. Foster relationships and collaborate with loan officers and portfolio managers to ensure loans are structured properly to maintain adherence to the credit union's written lending policies, while also mitigating risk and maximizing profit to the credit union. Perform ongoing reviews of existing commercial loan relationships to ensure continued repayment ability and early detection of potential problems. Interact with senior management regarding identified credit issues. Work with loan officers and Special Assets personnel to prepare quarterly memos summarizing the status and action plans for the credit union's watch list borrowers. Assist Director of Commercial Credit with training of current and new team members and serve as a resource and mentor for new hires to assist in their development and training. Apply credit expertise by reviewing other analysts' work and providing direct feedback and coaching. Other credit administration duties and special projects as assigned. Maintain advanced knowledge of credit industry trends. Perform all other duties as assigned.

Qualifications:

Bachelor's Degree Finance, Accounting, or Business Minimum 4 years credit/lending preferred or equivalent combination of education and experience. Formal commercial lending training Can and have underwritten: CRE, C&I, Construction, SBA (7a and 504) Has trained and has the ability and willingness to train Jr. analysts Benefits Health, Vision, Dental Insurance Long-term Disability Insurance Critical Illness Life Insurance 401(k) match Profit sharing PTO Flexible Spending Account Tuition Reimbursement Pet Insurance Commuter Benefit Applicable federal and multi-state regulations including, but not limited to: National Credit Union Act (FCUA) NCUA Commercial Lending Rule (12 CFR Part 723) NCUA Appraisals Rule (12 CFR Part 722) NCUA Prompt Corrective Action Rule (12 CFR Part 702) Equal Credit Opportunity Act (ECOA) Regulation B (12 CFR Part 1002) Fair Credit Reporting Act (FCRA) Fair and Accurate Credit Transactions Act (FACTA) Bank Secrecy Act (BSA)

USA PATRIOT

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