Commercial Loan Underwriter Credit Analyst Gulfport or NOLA area 5158

About the role

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include: Medical, dental, and vision insurance.

Department

Business Services

Reports to

Credit Admin Manager

FLSA

Exempt

Essential Functions

• Analyzes financial data related to new and renewal commercial loan requests
• Supports the evaluation and management of commercial lending activities by analyzing financial data for new and existing loan requests
• Assists in preparing loan presentations for loan officers for approval
• Administers Loan Committee
• Conducts credit investigations, prepares credit approval reports and summarizes credit analyses for review and decision
• Analyzes and evaluates financial condition and credit worthiness of prospective and existing borrowers and borrowing entities
• Prepares written analysis, summary and supporting documentation for credit decision or recommendation
• Provides in-depth projections and financial analyses, including the performance of 'what if' scenarios that will test the reasonableness of all projections (Stress-Testing)
• Works in partnership with commercial lenders to obtain all necessary information and clarification of financial analysis materials and resources
• Tracks loan progress through the electronic system to ensure access to status is readily available to all involved
• Provides tracking and updated information for manager's review as needed
• Affords interpretations of applicable policies, operational guidelines and questions on specific loan files
• Effectively conveys all relevant information in a timely manner
• Responsible for compliance with all lending regulations, policies, and procedures

Knowledge and Skills

• Bachelor’s Degree in related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position
• One to Three years of experience in commercial lending, administration, and/or underwriting required
• Minimum 1 year experience in a Credit Union, bank, or comparable training program preferred
• Minimum 1 year of experience working in a financial environment analyzing business and personal financial statements stop here and tax returns
• Experience and ability to work in a financial spreading system
• Maintain expertise in commercial lending policies, procedures, and systems
• Maintain expertise in Excel and other software such as Meridian Link and Laser Pro required for generating accurate and timely documents and reports
• Experience with Loan Origination Systems and spreading software
• Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners
• Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns
• Maintains a courteous, cooperative, and service-oriented approach in a variety of work situations, including those involving differing perspectives or needs
• Buils positive working relationships and contributes to a collaborative, inclusive, and member-focused environment
• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams)

Physical Demands

• Remains in a stationary position for extended periods
• Moves within the work environment
• Operates a computer and other standard office equipment
• Uses hands and arms to operate tools, devices, or controls
• Performs postural activities such as bending, kneeling, crouching, or stooping
• Occasionally lifts or moves items weighing up to 10 pounds

Work Environment

• Primarily a professional office or branch setting, with a focus on member service and collaboration
• May require working in shared workspaces and interacting with members, coworkers, and vendors through various communication methods
• Work may involve extended periods of sitting or standing, repetitive motions such as computer or device use, and occasional movement throughout the facility