Commercial Credit Analyst


JOB REQUIREMENTS: Employment Type: Full-Time, Hybrid #LI-HYBRID Why?
Everyone wants to belong, to be part of a community. Here at Advia,
every single aspect of how we think and work is built on the priority of
community. We dont have customers, we have members. Some of our key
measurements as an organization are how effectively are we volunteering
in, and serving, our community. And most importantly, we nurture a
culture in our workplace that places the highest value on belonging,
inclusion, community, working hard, and having fun. If your heart beats
like that, then we may just be the place for you. Come be an Advian!
What? We are hiring a full-time detective, puzzle solver, and author.
Officially, you will be a Commercial Credit Analyst. In this integral
role, you will have the chance to dig into financial statements to
discern what is really going on with businesses of all shapes and sizes.
You will research industries and economic trends. You will assess
strengths, weaknesses, and risks then craft a document to help our
commercial member accomplish their goals. You will be part of a
close-knit team of analysts who love to work hard and share best
practices. We also love coffee runs, if that is your thing. One of the
best parts of this role is that we have a hybrid work model that allows
you to work from home two days a week if you like. How? Evaluate the
financial statements and condition of commercial loan members and
prospects applying for credit. Analyze basic personal and corporate loan
portfolio financial statements for loan risk rating and monitoring
purposes on a single loan or relationship basis. Perform timely and
accurate annual reviews to monitor credit quality and early
identification of deterioration of credit quality. Analyze such items as
income, quality of management, market share, potential risks, and
collateral appraisal. Prepare written loan presentations, which include
credit analysis and a summary of the loan request. Assesses collateral
offered and its marketability to make certain the credit relationships
meet internal policy guidelines and regulation standards. Review and
ensure commercial loan policy compliance throughout the commercial
lending process. Utilize and maintain credit analysis software. Provide
outstanding service to both internal and external members as defined by
living and demonstrating the core values of the credit union: Act with
Integrity, Drive Progress, Build & Strengthen Relationships, and Keep
People at the Core. Who? We are looking for the right combination of
passion and experience. The ideal member of our Commercial Credit team
will be someone who loves to dig into the details. They prefer a
structured environment where they can focus deeply and find consistency
and excellence in their work. They will value being part of a team, but
more importantly, they relish the time where they can… For full info
follow application link. Advia is an Equal Opportunity Lender