Commercial Loan Credit Analyst III

Job Details

Level
Experienced

Job Location
Vancouver Loan Office - Vancouver, WA

Position Type
Full Time - Hourly

Education Level
4 Year Degree

Salary Range
$38.25 - $57.37 Hourly

Description

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:About - Gesa Credit Union

Role Summary:

The Commercial Loan Credit Analyst III is responsible for analyzing commercial credit requests and assisting with credit approval recommendations based on analysis and review. They work closely with the regional commercial sales team and their commercial members to underwrite loan requests. The analyst is involved with spreading financial statements, tax returns and the calculation of cash flows and important financial ratios. The analyst will assist in the completion of loan committee packages and helping the loan officers obtain necessary documentation and provide due diligence to bring the loan request to the closing phase.

What You Will Be Doing:

Spread and analyze personal and business financial information as well as entity ownership structures to understand creditworthiness of proposed loan. Recommend loan structures and terms to loan officers.

Prepare Credit Approval Document, with ability to complete 100% of the document including financial spreadsheets, cash flow analysis, global cash flow, and RMA or other industry analysis.

Underwrite renewals, modifications, and extensions of existing credits.

Ensure that all credit files include proper documentation including current financial statements, agency reports, etc. Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system.

Preparing letters of interest and loan commitment letters for lenders

Ownership of portfolio monitoring activities including maturities, annual loan reviews and problem loan reports.

Work closely with the regional commercial sales team and their commercial members.

Accurately process daily commercial credit transactions including, but not limited to: (a) answering incoming phone calls, (b) performing the initial credit analysis to determine if member's credit requests satisfy policies and procedure guidelines, and (c) preparing and processing all documentation for those credit transactions.

Provide support to credit union members and staff in explaining commercial credit policies and procedures.

Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.

Maintain a professional work environment and work under restricted time constraints.

Understand and apply state and federal laws, regulations, and Gesa's member business lending policies and procedures.

Demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.

Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.

Manage areas of responsibility, perform duties and control risk in a safe and sound manner.

Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by displaying solid ethics and integrity at all times.

About You:

To perform financial statement and tax return analysis on various sized entities, including RMA or other industry research.

To perform all areas of financial trend, risk rating, and credit analysis.

To provide knowledgeable, professional, friendly service to all members.

To maintain up-to-date and comprehensive knowledge of all credit union products, services, policies, and procedures.

To participate in and support a team environment.

To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.

To effectively communicate and receive ideas and information.

To possess and display excellent customer service attributes.

To communicate with supervisor regarding matters of account or lending concern.

To maintain a positive and professional image through effective verbal and written communication.

Ability to work independently and as part of a team.

Qualifications

What You Will Need:

Four-year college degree or completion of a specialized course of study at a business or trade school preferred, but not required, or equivalent experience.

Five (5) or more years of similar or related commercial credit analysis experience preferred.

Must be able to work under pressure and manage workflow to provide a high level of member service.

Strong oral and written communication skills; strong analytical and research skills.

Good interpersonal skills and team orientation.

Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms.

Some travel may be required to fulfill duties, career development, and/or responsibilities.

Our Team Member Value Proposition:

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off - Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Salary Range:

$38.25 - $57.37

Get wise to what's possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)