COMMERCIAL LOAN ANALYST
3.
2 Quick Apply Full-time 5 hours ago Full Job Description OVERALL JOB PURPOSE Responsible for providing competent credit analysis for activities such as loan origination, preparing annual term loan reviews, underwriting new loan requests, preparing loan presentations, assisting in the administration of business loans, conducting appraisal reviews, and assisting with special projects or assignments.
DUTIES AND RESPONSIBILITIES Processes small business credit applications; verifies credit references and information and prepares loan presentations for approval by the Loan Executive Committee.
Prepares reports for various purposes, including the monthly board packet, for the Loan Executive Committee, etc.
Completes a thorough, in-depth analysis of new small business credit requests, credit requests, renewals and annual relationship reviews.
May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interviews, and other means.
Prepares spreadsheets, loan approval request forms, term loan reviews and summarizes opinions on new, renewing and existing loans.
Orders, reviews and documents any concerns with reports required in the loan process including, but not limited to, title commitments, appraisals, environmental reports, purchase agreements and legal opinion letters.
Reports findings and concerns to the AVP Commercial Lending or above.
Assists the VP Commercial Lending Services with providing regulators and auditors with requested information needed to assess compliance with loan audits, reviews and policy and procedure.
Performs property inspection and risk rating analysis as part of the annual term loan review process.
Recommends risk rating changes when analysis merits.
Monitors loan repayment activities and provides information about delinquent loans to the appropriate loan officer.
Reviews and assures all credit and loan files are accurately maintained and up-to-date.
Reviews loan agreements to ensure they are complete and accurate according to policy.
Stays abreast of new types of loans and other financial services and products to better meet member needs.
Handles member complaints and takes appropriate action to resolve them.
Participates in community affairs to increase the Credit Union's visibility and to enhance new business opportunities.
Responsible for following government guidelines and compliance procedures.
Meets deadlines as assigned and directed.
KNOWLEDGE, SKILLS, AND ABILITIES Must have a strong background in math, finance, and computer applications.
Highly developed analytical and underwriting expertise, credit quality focus.
Excellent oral and written communication.
Well-developed interpersonal skills, to include selling skills.
Mature business judgment and decision-making.
Ability to use critical thinking skills to evaluate information.
Strong, active listener.
Must possess strong sales energy.
Must be able to lift up to 10 lbs.
EDUCATION AND EXPERIENCE REQUIREMENTS Bachelor's degree in Business or related field required.
Minimum 2-3 years experience in loan production.
Extensive experience evaluating various financial documents for lending purposes.
Must have strong relationship management skills for key commercial, small businesses.
Please submit employment application to www.
sandia.
org/careers Quick Apply.
Estimated Salary: $20 to $28 per hour based on qualifications.
2 Quick Apply Full-time 5 hours ago Full Job Description OVERALL JOB PURPOSE Responsible for providing competent credit analysis for activities such as loan origination, preparing annual term loan reviews, underwriting new loan requests, preparing loan presentations, assisting in the administration of business loans, conducting appraisal reviews, and assisting with special projects or assignments.
DUTIES AND RESPONSIBILITIES Processes small business credit applications; verifies credit references and information and prepares loan presentations for approval by the Loan Executive Committee.
Prepares reports for various purposes, including the monthly board packet, for the Loan Executive Committee, etc.
Completes a thorough, in-depth analysis of new small business credit requests, credit requests, renewals and annual relationship reviews.
May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interviews, and other means.
Prepares spreadsheets, loan approval request forms, term loan reviews and summarizes opinions on new, renewing and existing loans.
Orders, reviews and documents any concerns with reports required in the loan process including, but not limited to, title commitments, appraisals, environmental reports, purchase agreements and legal opinion letters.
Reports findings and concerns to the AVP Commercial Lending or above.
Assists the VP Commercial Lending Services with providing regulators and auditors with requested information needed to assess compliance with loan audits, reviews and policy and procedure.
Performs property inspection and risk rating analysis as part of the annual term loan review process.
Recommends risk rating changes when analysis merits.
Monitors loan repayment activities and provides information about delinquent loans to the appropriate loan officer.
Reviews and assures all credit and loan files are accurately maintained and up-to-date.
Reviews loan agreements to ensure they are complete and accurate according to policy.
Stays abreast of new types of loans and other financial services and products to better meet member needs.
Handles member complaints and takes appropriate action to resolve them.
Participates in community affairs to increase the Credit Union's visibility and to enhance new business opportunities.
Responsible for following government guidelines and compliance procedures.
Meets deadlines as assigned and directed.
KNOWLEDGE, SKILLS, AND ABILITIES Must have a strong background in math, finance, and computer applications.
Highly developed analytical and underwriting expertise, credit quality focus.
Excellent oral and written communication.
Well-developed interpersonal skills, to include selling skills.
Mature business judgment and decision-making.
Ability to use critical thinking skills to evaluate information.
Strong, active listener.
Must possess strong sales energy.
Must be able to lift up to 10 lbs.
EDUCATION AND EXPERIENCE REQUIREMENTS Bachelor's degree in Business or related field required.
Minimum 2-3 years experience in loan production.
Extensive experience evaluating various financial documents for lending purposes.
Must have strong relationship management skills for key commercial, small businesses.
Please submit employment application to www.
sandia.
org/careers Quick Apply.
Estimated Salary: $20 to $28 per hour based on qualifications.
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