Commercial Credit Analyst I at State… · Albuquerq…

Summary: State Employees Credit Union of New Mexico is seeking a Commercial Credit Analyst I to assist the Commercial Loan Department in analyzing financial information from businesses and individuals requesting loans. The role involves preparing cash flow analyses, compiling credit approval presentations, and ensuring compliance with lending policies. Responsibilities: - Take a lead role in the analyses of commercial credit applications and related - Responsible for evaluating a borrower's capacity to pay, capital position, economic trends and forecasts in mitigating loan-risk, identifying special risk based on the unique needs of the borrower and the loan, and making recommendations through underwriting to effectively manage commercial credit risk for the - Compile, prepare, and present Credit Approval Presentations for loan - Interview Commercial & Business members for new accounts and loans - Prepare cash flow analysis of personal and business tax returns and financial statements - Prepare and submit Commercial & Business loan requests for - Maintain and review commercial loan maturity report - Collect Commercial & Business loan financial documentation for annual reviews and possible renewals - Complete and update Commercial & Business loan - Review Commercial & Business loan call report provided by CFO for - Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on commercial lending - Ensure the Credit Union provides high quality services to its members in lending and related - Participates in any other activities deemed necessary to further support the lending functions of State Employees Credit - Ensures that all Credit Union policies and procedures are followed, comply with all applicable laws, regulations and have strong working knowledge of - Understand compliance issues & attends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act - Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job - Performs other duties as assigned - Job Related Travel – As required Required Qualifications: - Strong interpersonal relationship/communication skills and attention to detail - Advanced knowledge in the review of commercial credit applications and borrower capacity to pay - Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis - Ability to work independently with little supervision as well as in a team environment - Strong analytical skills - Experienced in the appraisal and underwriting of commercial loans - Proficient with the Microsoft Office - Education or experience equivalent to a bachelor's degree in accounting, Finance, or related field, in addition to 1 to 3 plus years of relevant experience - Works in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace - Adheres to policy on Drug Free Workplace - Complies with company policies and procedures and local, state and federal regulations - Prolonged periods of sitting at a desk and working on a computer - Must be able to lift 15 pounds at times - Must be able to access and navigate each department at the organization's location Required Skills: Commercial credit analysis, Financial statement analysis, Cash flow analysis, Borrower risk analysis, Commercial loan underwriting, Microsoft Office Benefits: State Employees Credit Union offers a highly competitive benefits package