Senior Commercial Loan Analyst

6 days ago

Flowood, Mississippi, United States Hope Credit Union Full time
Job Summary

The Commercial Underwriter II is a key member of the Hope Credit Union team, responsible for conducting thorough credit and financial analyses to evaluate the safety and soundness of new loan requests. This role requires a high level of expertise in credit risk assessment, financial analysis, and loan underwriting.

Key Responsibilities
  • Collaborate with loan officers and market leaders to discuss credit requests and develop strategies to identify and mitigate potential risks.
  • Conduct initial reviews of loan packages to determine creditworthiness and compliance with Hope Credit Union's policies and NCUA regulations.
  • Analyze applicants' business operations, historical cash flow, balance sheets, and financial conditions, as well as management structure, collateral, and projections.
  • Calculate financial ratios using methods such as UCA, Net Operating Income, EBITDA, and Global Debt Service.
  • Research and investigate industry and market data trends.
  • Coordinate and incorporate third-party reports into credit analyses when necessary.
  • Review and determine viability of projections for credit analyses.
  • Prepare credit memoranda for presentation to the Credit Committee, including final recommendations.
  • Participate in periodic reviews of existing portfolio credits, as needed.
  • Assist in preparing loan extensions and modifications, as needed.
Regulatory Compliance Requirements
  • Comply with provisions of the Bank Secrecy Act (BSA).
  • Comply with National Credit Union Administration's rules and regulations.
  • Comply with Equal Credit Opportunity Act (Regulation B) provisions.
  • Comply with Fair Credit Practice Rule provisions.
  • Comply with Flood Disaster Protection Act provisions.
  • Comply with National Flood Insurance Act provisions.
  • Comply with Truth in Lending Act (Regulation Z) provisions.
Accountability for Business Results
  • Commercial loan quality, including performance, minimal errors, and charge-offs.
  • Commercial loan production, including number and dollar amount of loans.
Competencies/Skills
  • Strong computer skills, especially with financial spreadsheets and word processing.
  • Ability to read and interpret documents and write routine reports and correspondence.
  • Ability to speak effectively before groups of customers and employees.
  • Ability to add, subtract, multiply, and divide in all units of measure.
  • Ability to compute rate, ratio, and percent and interpret data.
  • Ability to deal with problems involving a few concrete variables in standardized situations.
  • Ability to evaluate creditworthiness from multiple structured and unstructured variables.
  • Ability to restructure loans as necessary.
Desired Qualifications
  • Bachelor's degree in Finance or Accounting is preferred.
  • Two to five years of experience in commercial credit analysis and underwriting.
  • Experience in development finance is preferred.
  • Demonstrated strength in credit analysis, financial analysis, and communication skills.

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