[Hiring] Senior Credit Analyst @Partners 1st Federal Credit Union

Role Description

The Senior Credit Analyst is responsible for analyzing complex commercial and commercial real estate loan requests by completing financial statement, cash flow, and collateral analyses; evaluating the repayment ability of the business or real estate project; identifying strengths, weaknesses, risks, and mitigating factors; and preparing written comments to facilitate sound credit decisions.

• 35% Initiate preliminary financial statement, cash flow, and collateral analyses on all loan requests to determine if they are viable.
• 35% Recommend appropriate loan structure, financial reporting requirements, and financial covenants on viable loan requests; complete comprehensive financial statement, cash flow, and collateral analyses; and prepare credit memos to facilitate sound credit decisions.
• 10% Perform periodic credit reviews on aggregate relationships as required by commercial loan policy.
• 10% Train, develop, and mentor credit team members.
• 5% Participate in onsite visits with commercial lenders to businesses and real estate projects as necessary.
• 5% Provide support for loan document preparation, loan funding, loan booking, loan servicing, loan administration, and any other operational needs.

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, in addition to all company policies.

This role requires behaviors and actions that reflect the credit union's culture, mission, and core values through exceptional service that supports both employees and members. A strong commitment to service excellence and member-focused solutions is essential to the success of this position and the credit union.

Qualifications

• 5 or more years of direct experience in commercial credit analysis.
• Bachelor’s degree in accounting, finance, actuarial science, or other related discipline.
• Outstanding written and verbal communication skills.
• Excellent technical, analytical, problem-solving, and teamworking skills.
• Advanced user of Microsoft Excel and commercial lending software applications.

Requirements

• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
• Must be capable of climbing/descending stairs in emergency situations.
• Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator.
• Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
• Must be able to work extended hours whenever required or requested by management.
• Must be capable of regular, reliable, and timely attendance.
• Must be able to routinely perform work indoors in a climate-controlled shared work area with minimal noise.
• This position has the ability to do work remotely. Must follow remote work agreement.
• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization.
• Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

Benefits

• Competitive salary.
• Paid illness, vacation, and holidays.
• Medical/dental/vision/life insurance.
• Generous 401(k) retirement plan with company matches.
• Tuition reimbursement.
• Weekly pay.
• Professional and fun office working environment.