Job Information
Interra Credit Union Commercial Credit Analyst I - COMME001588 in Goshen, Indiana
DESCRIPTION/RESPONSIBILITIES: As a Commercial Credit Analyst I, you will be responsible for supporting the underwriting, analysis, and monitoring of new and existing loan relationships of the Credit Union. You will manage a portfolio of members to include, but not limited to, evaluating the financial status of potential members, monitoring existing members, performing risk assessments, writing detailed reports, and making informed decisions while extending credit. Under steady supervision, the Credit Analyst I will perform routine financial statement spread, pull credit reports, complete credit references, covenant and compliance testing, and credit summaries in a timely and accurate manner. Accountable for providing world class member service while executing Interras vision, mission and delivery of Core Values.
Direct Reports: None
HOW YOU WILL MAKE AN IMPACT * Initially focused on financial statement spreading, report preparation, and preliminary credit analysis for commercial and/or agribusiness borrowers. Once proficient in those areas, the Credit Analyst I prepare detailed loan presentation focused on cash flow analysis and secondary repayment sources such as collateral and guarantor analysis concluding with a recommendation to the appropriate credit authorities in the department. * Performing research/analysis related to projects such as industry studies, loan administration, basic financial analysis, and other duties as may be assigned by manager. * Compare liquidity, profitability, and credit histories of borrowers being evaluated with those in similar industries and geographic locations. * Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, the Credit Union Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.
Working Conditions * Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
ACKNOWLEDGEMENT
Nothing in the position description restricts managements right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This Job description is not a contract and should not be constructed as a guarantee of employment for any period of time. Interra Credit Union is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category protected by law.