Post Date: 02/15/2019
Close Date: 03/29/2019
We’re Passionate Advocates. We love what we do.
At Advantis, we're passionate advocates for our members' financial success. Our tagline “With us you can!” reflects our passion for helping our members succeed - and we are just as committed to helping our employees succeed. You’ll find opportunities for personal growth, meaningful work, and proud recognition of accomplishments. We work with passion and purpose, and empower our employees to do the right thing.
As our Commercial Credit Analyst you will be responsible for analyzing commercial loan requests and supporting the growth and maintenance of the commercial loan portfolio for the Credit Union. Responsibilities include independently researching and analyzing financial information and development of business loan approval packages for qualified business members, Additionally, the Analyst prepares materials for presentation and decisioning, conducts annual reviews of existing loans, and reviews current financial information for the Credit Union’s commercial loan portfolio.
Responsibilities of this role include:
•Analyzes financial information of prospective borrowers using Buker’s Taxanalysis and Buker’s FSA or comparable software.
•Prepares loan write-ups and presents loan requests to Commercial Loan Manager.
•Performs on-going review for the commercial loan portfolio ensuring that credits are reviewed at least annually.
•Develops and implements corrective action to improve the risk rating of loans within the commercial loan portfolio.
•In consultation with the Commercial Loan Manager, prepares the Watched Asset Report and the related Loan Analysis.
•Assists the Commercial Loan Manager in determining the scope of the commercial loan portfolio review.
•Maintains commercial credit files while in underwriting to ensure the adequacy of loan documents and supporting information.
•Demonstrates a thorough understanding of the credit union’s lending policies and procedures.
•Possesses a thorough understanding of all state and federal laws applicable to commercial lending.
•Maintains a thorough knowledge of our core processing system, lending and collections programs.
•Assists in the development and implementation of new commercial lending services and functions of the commercial lending team.
•Partners closely with other departments throughout Advantis to ensure consistent application and execution of policies and procedures.
•Occasionally meets with loan applicants to review their business operations, discuss their financial statements and analyze their credit requirements.
•2 - 4 years direct commercial credit underwriting experience required, including commercial real estate and C&I lending.
•Bachelor’s degree, with an emphasis in accounting and finance (or equivalent education and experience).
•Experience with Buker’s Taxanalysis and Buker’s FSA is preferred.
•Strong written and verbal communication skills. Excellent group presentation skills to lead staff meeting and training sessions.
•Ability to maintain high standards in areas of security, accuracy, thoroughness, completeness and neatness of documentation, system input, correspondence, system upgrades and system testing.
•Exceptional personal computer skills, particularly with e-mail and Microsoft Office programs.
•Meets annual product knowledge certification, regulation training and other training requirements.
•Ability to act independently with minimal direction.
•Ability to exercise judgment, initiative and tact in dealing with members, staff and vendors.
•A high level of problem solving skills.
•Ability to analyze work processes and to make recommendations for process improvements.
•Ability to organize projects, prioritize workflow, and complete multiple tasks simultaneously and accurately.
•Ability to maintain confidentiality.
A Great Place to Work!
At Advantis, we help our members succeed financially. We serve our members with a purpose and a passion, and our talented team delivers uncommon value with every interaction. We inspire fresh ideas, bold creativity, and outside-the-box ingenuity by asking, “How can we do banking differently?” We celebrate individual achievement and excellence with proud recognition and upward opportunity. We work together in a spirit of “together we can” teamwork, mutual respect, and a unified effort to reach common goals. We work hard but we get to do it in an atmosphere that’s upbeat and fun. We live our passionate community commitment to strengthen, educate, and elevate the prosperity of the communities we’re proud to call home.
If you like to work with passion and purpose, collaborate, elevate, and celebrate, Advantis Credit Union is the place for you. Advantis is one of Oregon’s largest member-owned financial cooperatives, serving the Portland areas for over 90 years.
Advantis Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, veteran status, or disability.