Credit Analyst

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

The Commercial Credit Analyst is an integral part of the commercial credit team that is underwriting, approving and reviewing business loans for small to mid-size businesses in the commercial and industrial segment, investor real estate and owner-occupied real estate primarily located in the state of Georgia by preparing accurate and timely financial information.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Spread financial statements and tax returns for businesses and individuals with the accurate placement of figures from financial statements and tax returns into spreading software
• Prepare cash flow, leverage and debt service charts as needed
• Work with the commercial underwriters to measure covenants
• Develop, apply, and evaluate regulatory policies and procedures for the department; ensure that staff comply with policies and procedures and understand changes in requirements; maintain a thorough knowledge of policies and procedures and trends in the credit union industry, with particular attention to the Bank Secrecy Act, Patriot Act, and with robbery procedures.
• Perform other duties as may be assigned

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• Bachelor's degree in business, to include two levels of accounting classes or at least 1-3 years of experience with accounting, financial statements or tax returns.

OTHER JOB QUALIFICATIONS:

• Knowledge of financial statements for various types of business entities, tax returns or personal financial statements
• Proven efficiency in Excel including reading/writing formulas
• Proven efficiency in Microsoft applications
• Detail oriented
• Effective written and verbal communication

PHYSICAL REQUIREMENTS:

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union's policies and procedures related to the SAFE ACT. This includes an obligation on the employee's part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Georgia's Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. 

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.

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