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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
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:
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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