JOB TITLE:        CREDIT ANALYST  

FLSA STATUS:    EXEMPT
REVISED DATE:    05/22/2025

REPORTS TO:    VICE PRESIDENT MEMBER BUSINESS SERVICES

PRIMARY FUNCTION:
This position exists to coordinate the Member Business Services Department with member business lending credit underwriting and portfolio maintenance along with looking for opportunities in sales & service. This position is responsible for assisting the Member Business Services Department with all aspects of member business lending operations to ensure quality member service is provided. Promote a professional image of the credit union within the community.  

PRINCIPAL DUTIES/RESPONSIBILITIES:
1.    Underwrite files, including but not limited to analyzing tax returns, analyzing reviewed, compiled and audited financial statements as well as analyzing industry trends to complete a credit presentation.
2.    Coordinate portfolio maintenance and annual reviews including participation files and watch list credits.
3.    Acquire good product knowledge and look for opportunities to cross sell to our members.  
4.    Manage member issues, questions, and concerns. Assist with closings and interviews with applicants when necessary.
5.    Coordinate the preparation of and attendance at Business Loan Committee meetings. Facilitate quarterly board trainings and fill in at Credit Committee as needed. Review of Community Business Lenders’ loans and attend Community Business Lenders Services Corporation (CBLSC) Credit Committee as a potential voting member.
6.    Review appraisals and environmental reports.
7.    Coordinate preparation for any and all audits. 
8.    Assist Member Business Services Processor as needed.
9.    Ensure lending policies and operating procedures are adhered to as well as Federal regulation Part 723 and all other federal and state regulations are met.
10.    Coordinate loan production to create and maintain efficiencies in the department.
11.    Coordinate the maintenance of business files, pipeline, applications and denials.
12.    Collaborate with appropriate third-party vendors to successfully maintain relations.
13.    Keep abreast of changes within the industry on both a regulatory and functional level.
14.    Attend and make presentations at All Staff Meetings as required. Assist in 90-day follow up training as needed.
15.    Actively and thoughtfully communicating with their supervisor, planning their goals and development, taking accountability for their actions and striving for excellence

GENERAL DUTIES/RESPONSIBILITIES:
16.    Promote products and services.
17.    Attend all meetings as required.
18.    Maintain clean and professional work area and appearance.
19.    Maintain positive public relations and promote the credit union within the community.
20.    Complete educational programs as required.
21.    Perform the following commitments of service to each and every member at all times:
a)    Make a good first impression, be dressed professionally and greet people with a smile and a firm handshake.
b)    Keep a smile in my voice as well as on my face.
c)    Answer the telephone by the third ring.
d)    Call people by name and thank them.
e)    Give people my full and undivided attention; focus on the person face to face and on the telephone.
f)    Take responsibility for solving the individual's problem instead of referring it to someone else.
g)    Deliver on commitments of action(s) to be taken, so excuses won't be necessary.
h)    Follow through on necessary action(s) to be sure the problem is solved.
i)    Know that what's important is not only who or what created the problem but how the problem can be corrected.
j)    Protect confidential information.
22.    Other duties as assigned.
 

REQUIREMENTS OF THE POSITION:
•    Bachelor’s degree in business, accounting or financial industry or related experience.
•    Three to five years’ experience in credit analysis and spreading of financials for business loans.
•    High analytical skills.
•    High skills with Excel, Word and experience with financial spreading software.
•    Excellent communication and organizational skills.
•    Knowledge of lending policies and procedures.
•    Ability to perform duties under pressure.
•    Ability to sell.
•    Possible NMLS enrollment.
•    Professional, pleasant, and outgoing personality.
•    Excellent decision making skills.
•    Knowledge of all laws and regulations regarding this position.
•    Team Player.
•    Self-motivator.

PHYSICAL REQUIREMENTS:
Sedentary work – Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.

PHYSICAL ACTIVITES:
The following physical activities will be required on a day-to-day basis: climbing, stooping, crouching, reaching, walking, pulling, fingering, feeling, hearing, balancing, kneeling, crawling, standing, pushing, lifting, grasping, talking, repetitive motions.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed are representative, and reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions if they are otherwise qualified.

VISUAL/PERCEPTION ACTIVITY:
Administrative, Clerical, Data Entry operations, Inspection, (work at distances close to eyes).

WORKING CONDITIONS:
None. The worker is not substantially exposed to adverse environmental conditions.

HUMAN RELATIONS SKILLS NEEDED:
Ability to communicate effectively with members, staff, outside sources, the CEO and the Board of Directors in a timely, accurate and efficient manner.

INTERNAL TRAINING REQUIREMENTS:
Please refer to the credit union intranet for the internal training requirements for this position.

EXTERNAL TRAINING: 
Appraisal Review
Title Review and Knowledge
SBA Training
UCC Article 9 Training
Commercial Loan Documentation
Business Deposits
MBS Lending

ANNUAL TRAINING REQUIREMENTS:
Compliance and Regulatory (BSA, OFAC, etc.)
Security Awareness Training
Diversity, Ethics, Sexual Harassment, and Sensitivity
Any applicable MBS Courses