Commercial Credit Analyst 2

Responsibilities

• Review loan packages to ensure all financial information has been obtained with appropriate signatures.
• Gather and review all necessary underwriting information including but not limited to financial statements, tax returns, rent rolls and operating statements, liquidity statements, projections, credit report, legal documents to determine the degree of risk involved and the proper premium for acceptable risks.
• Accepts risks that meet underwriting standards and declines those which do not, within assigned scope of broad underwriting authority.
• Review real estate purchase contracts, title reports, appraisals, and environmental reports for collateral evaluation.
• Underwrite business credit cards and overdraft lines of credit, small business loans and retail credit applications, and simple to moderate commercial real estate loan requests.
• Maintain up to date knowledge of and adhere to relevant NCUA, federal, and state lending regulations, and Jovia loan policies, procedures, and underwriting guidelines.
• Validate all Jovia loan policies and underwriting guidelines were met before submitting to Management and MBL