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At Members 1st, we look for individuals who will show up as their whole self because we value diversity, inclusion, and belonging, as well as people who believe in the philosophy of, WE>me. To be sure you align with our company mission, vision, values and culture reference the information below.

Company Culture is at Our Core

If there is one concept, we want you to understand about us, it is this. WE. It is a simple little word but means everything here. We think as one. One faM1ly. One community. One place where everyone belongs. Everything we do is in the best interest of all of us.

What WE Believe

Our Missions: WE serve our members, associates, and communities through support, empowerment, and meaningful relationships.

Our Vision: WE are growing our faM1ly by delivering everything they need to live well financially, through all life's moments and milestones.

Our Values: WE deliver unparalleled experiences through a culture of WE. WE > me. WE are servant leaders- at work and in the communities we serve. WE are financially safe and sound stewards of members dollars. WE are faM1ly.

Company Perks: Quick Reference

• Competitive compensation with career growth opportunities, job security, annual increases and bonus potential
• Nationally recognized 401K with up to 10% company match that helps you prepare for your future
• A multitude of benefits and incentives to stay mentally and physically healthy
• Associate Tuition Assistance - WE may help cover the cost for your continuing education courses or degree
• Affordable cost sharing arrangement for three different medical plans, dental plan and vision plan
• 11 paid holidays and plenty of paid time off for life, vacations, staycations, and rest
• WE commit to providing a healthy work/life balance - to support all the other parts of life that are important to you
• WE cover visits to our confidential Employee Assistant Program for many difficult situations that life may throw your way
• With faM1ly always in our forefront, we offer Paid Parental Leave (for both mothers and fathers) to help support your time off to bond with your new child
• Make an impact through volunteering with one of our local charities or enjoy networking with our members at a local community event
• WE provide a strong commitment to our associates with our dedication to providing professional development, leadership training & coaching opportunities
• Opportunities to plan events, enhance recognition programs, network, and connect with other associates (both virtually and in-person) by joining or leading one of our four established Associate Resources Groups (ARGs)
• Women in Leadership
• Diversity, Inclusion and Belonging
• Care Connections
• PEER (Peer Experience, Engagement and Recognition)
• Mandatory fun? Yes, please. Enjoy team building, special events, and our faM1ly atmosphere
• Join a company that grows with you - personally and professionally

OVERVIEW:

The purpose of the Senior Business Credit Analyst is to objectively analyze, underwrite, and, within certain parameters, decision commercial loan requests. Other general responsibilities include conducting annual reviews, analyzing complex financial information, and monitoring the credit risk of the commercial loan portfolio, including but not limited to the Credit Union's largest, most complex relationships. Less common duties include assisting the AVP of Business Credit Underwriting with training Credit Analysts, preparing approval commitment letters, and reviewing real estate appraisals.

With limited supervision and budgetary responsibility, the Senior Business Credit Analyst requires a significant degree of research, time management, and problem-solving skills in order to solve a wide variety of issues that may arise.

EDUCATION:

• General and business knowledge equivalent to a bachelor's degree in finance,
  accounting, or a related field Advanced knowledge and experience in commercial credit
  underwriting and commercial lending will be considered in lieu of a bachelor's degree

EXPERIENCE:

• Minimum of 5 years of commercial credit underwriting experience

SKILLS:

* Decision making requires analytical ability, independent judgment, and ingenuity with significant discretion on daily operational decisions

* Teamwork, courtesy, and tact are essential elements of the job

* Working knowledge of the methods used in collecting supporting information for the underwriting of business loans and the factors/metrics that go into properly evaluating the risks associated with different types of businesses

* Solid understanding of laws and regulations governing business and consumer lending and collections practices

* Proficiency in understanding key performance indicators, such as balance sheet and income statement metrics

* Thorough knowledge of credit union products and services

* Superior communication and interpersonal skills

PREFERENCES:

* None

CORE COMPETENCIES:

* Effective knowledge

* Accountability and self-management

* Teamwork and leadership

* Communication

* Innovation and problem-solving

WORKING CONDITIONS/PHYSICAL DEMANDS:

* Ability to communicate effectively in English, both orally and in writing

* Visually able to perform activities such as preparing and analyzing data and figures, viewing a computer terminal, and extensive reading

* Ability to sit for extended time periods

* Sufficient manual skill for operation of PC keyboard and other standard office equipment

* Ability to travel, including occasional overnight travel

* Ability to exert minimum amounts of force occasionally to lift, carry, push, pull or move objects

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