Commercial Credit Analyst

1 month ago

Pembroke Pines, United States Power Financial Credit Union Full time

Power Financial Credit Union, voted Top Work Places by Sun Sentinel , 2017, 2018 and 2024; Ranked in the Top 30 of the highest performing Credit Unions in the US and #1 in Florida by S & P Global Market Intelligence.

Power Financial Credit Union provides a stimulating work environment that is both productive and enjoyable.

We are currently searching for a dynamic Full-Time Commercial Credit Analyst to join our Credit Union family at Pembroke Pines location (Hybrid work option for this position). This position is responsible for all aspects of underwriting and prudently managing commercial loans with majority being Commercial Real Estate, including but not limited to: preparation of credit approval memos and annual reviews; spreading and analyzing financial data in Sageworks (or any other financial analysis software the Credit Union may utilize); making recommendations on loan structure; vetting the viability of new loan opportunities, renewals, and modifications; and understanding and applying basic real estate valuation estimates.

In this job you will:

  • Underwrite credit approval memos, annual reviews, and modifications.
  • Accurately and timely input into financial analysis software of data such as personal tax returns, business tax returns, CPA or company prepared financial statements, rent rolls, personal financial statements, and other related documents.
  • Prepare written analysis of said data, with an emphasis on “why” and “how” a borrower’s financial results change over time periods. Usage of proper grammar and mastery of financial vocabulary are required.
  • Provide written explanation of the borrower’s business and guarantors’ background; the loan request; 2-3 sources of repayment; and justification of risk rating.
  • Identify and escalate to Commercial Portfolio Director and/or Chief Lending Officer any “red flags” and/or early warning signs uncovered during underwriting.
  • Have regular phone and email contact with borrowers, for reasons such as: requesting financial information; asking underwriting questions; discussing the purpose of each loan; understanding the borrower’s business/financial goals and how the subject transaction fits in with them.
  • Pre-screen potential new loans and/or modifications & increases to existing loans.
  • Recommend loan structure, loan amount, and whether to proceed with a loan request, based on metrics such as: business/property debt service coverage; global debt service coverage; collateral value/marketability; guarantors’ credit profile; sustainability of cash flow; guarantors’ experience in the industry, and other typical credit decision criteria.
  • Create term sheets based on recommendations.
  • Assist and cooperate with the Loan Servicing Team in clearing pre-closing conditions related to credit quality. Examples include: verification of liquidity; BSA/OFAC searches; review of leases; written explanations from borrowers of derogatory or unusual background findings; or similar items.
  • Other duties as assigned.

To be considered you will need:

  • A bachelor’s degree in finance or business.
  • A minimum of 5 years commercial credit underwriting experience required to include heavy Commercial Real Estate lending analysis.
  • Formal credit training by a bank, institutional lender or third-party training.
  • Must have the ability to write advanced level commercial credit memorandums.
  • MS Office applications: Intermediate-to-Advanced Word and Excel.
  • Must have strong attention to detail to include solid data entry with limited errors.
  • Must possess the ability to remain calm, patient, objective, and professional when presented with difficult situations.
  • Must be able to work in a time sensitive environment, making sound decisions and communicating these decisions to stakeholders.
  • Credit Analyst should have the ability to apply the “Five C’s of Credit” to every loan.: Cash Flow (aka Capacity), Character, Collateral, Capital, Conditions

Equal Opportunity Employer (EOE)/ Veterans/Disabled/ Drug-Free Workplace

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