Commercial Credit Analyst

3 days ago


Green Bay, Wisconsin, United States Capital Credit Union Full time
Job Summary

Capital Credit Union is seeking a highly skilled Commercial Credit Analyst to join our team. As a Commercial Credit Analyst, you will play a critical role in evaluating and managing new and ongoing lending relationships with commercial clients.

Key Responsibilities
  • Loan Evaluation and Analysis: Summarize information obtained from clients and prepare comprehensive loan presentations for new and renewing loan requests.
  • Financial Statement Analysis: Analyze corporate financial statements, tax returns, and personal financial statements to assess cash flow, balance sheet ratios, collateral analysis, repayment risk, trends, industry characteristics, environmental review, and compliance to policies/regulatory requirements.
  • Loan Committee Presentations: Present analysis to the loan committee and senior management to aid in evaluation and approval.
  • Report Preparation and Maintenance: Prepare SBA analysis and applications, documents for the sale of guaranteed loans, and complete various reports required by the respective agencies and maintain tracking within the commercial loan origination system.
  • Documentation Review and Request: Review and request any missing documentation required to complete annual reviews and new money requests.
  • Client Communication: Provide clients with requested information such as financial statements, appraisals, and environmental audits.
  • Annual Review Preparation: Prepare annual reviews from submitted financial statements and tax returns.
  • Credit Policy Development and Implementation: Assist with the development and implementation of credit policies.
  • Commercial Loan Origination System Administration: Assist with the administration of the commercial loan origination system.
  • Residential Appraisal Review and Site Inspections: Review residential appraisals and perform site inspections as needed.
Requirements
  • Education: Undergraduate degree in accounting, finance, or business preferred.
  • Experience: Minimum one year of related work experience required, specifically experience working with business & personal tax returns along with other financial statements.
  • Knowledge and Skills: Basic knowledge of credit policies and government regulations regarding commercial lending. Strong analytical ability and credit analysis skills necessary to research and resolve complex issues. Interpersonal skills necessary to deal effectively and efficiently with a diverse group of clients, employees, and vendors in stressful situations.
  • Work Environment: Office environment with moderate level of noise. Occasional travel may be required.


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