Sr. Commercial Loan Credit Analyst

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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.

The Sr. Commercial Loan Credit Analyst is responsible for analyzing commercial credit requests and assisting with credit approval recommendations based on analysis and review. 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.

• 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 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.
• Assist Loan Officers in preparing letters of interest and loan commitment letters.
• Assist Loan Officers with portfolio monitoring activities including annual loan reviews and problem loan reports.
• Supervise and assist other members of the credit analyst team in the absence of the Commercial Credit Analyst Manager.
• 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.
• Assist Commercial Loan Processors in ordering appraisal, environmental reports, and appraisal logs.
• Provide support to credit union members and staff in explaining commercial credit policies and procedures.
• Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
• 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.
• Maintain awareness of 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 always displaying solid ethics and integrity.

• To perform financial statement and tax return analysis on various sized entities, including RMA industry research.
• To perform financial trend analysis and risk rating 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…