Senior Credit Analyst

Responsibilities

• Prepare Loan Presentations (New Loans) and Annual/Periodic Reviews (Existing Loans)
• Ensure that the loan (new or existing) complies with all IPL loan policy guidelines.
• Analyze financial statements for the subject property or properties, owners, and guarantors to independently confirm strengths and weaknesses of the loan.
• Validate the assigned risk rating per the IPL risk rating matrix.
• Apply critical thinking and analysis to produce thorough loan presentations relied upon by approving authorities.
• Provide meaningful context to financial data to help readers understand financial condition and credit risks.
• Consistently identify credit and operational risk and suggest mitigating factors when needed.
• Clearly and concisely explain key issues and confirm appropriate loan structures.
• Prepare Watch List memos for loans experiencing credit issues and needing extra monitoring.
• Utilize strong math, analytical, communication, attention-to-detail, reasoning, and superior customer service (internal & external) skills.
• Communicate verbally and in writing with borrowers and guarantors to collect financial documents and obtain answers to underwriting questions.
• Focus on attention to detail, adherence to loan policy guidelines, and meeting deadlines for reviews and presentations.
• Regularly join IPL Loan Officer during meetings or phone calls with borrowers and members.
• May have moderate to frequent interaction with borrowers and guarantors while performing analysis.
• Demonstrate strong technical knowledge, ability to complete time-sensitive loan files with minimal oversight, and expertise in borrower and guarantor interaction.
• Ad Hoc Financial Analysis or Research Assist lending staff with property-specific research, pre-qualification assessments, preliminary financial spreads, and initial financial condition analysis.
• May perform site visits for new loan requests or existing loans.
• Perform research on real estate metrics and data using a commercial real estate database.
• Aid with any research or projects as requested.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Management or related field required.
• 4-5 years’ experience in a Credit Analyst, Financial Analyst, Portfolio Manager and/or Commercial Real Estate Analyst required.
• Prior experience underwriting loan files within Sageworks Abrigo Commercial LOS is preferred.

Skills

• Advanced exposure to commercial lending principles and best practices.
• Advanced understanding of commercial loan documents.
• Advanced exposure to commercial appraisals.
• Experience as a credit analyst within another commercial credit department, including completion of a formal credit training program (such as RMA).
• Strong experience spreading financials required.
• Advanced understanding of commercial loan structuring and industry standards.
• Moderate experience with borrower/member interaction.
• Expert ability to meet established deadlines, particularly time-sensitive loan files.
• Superior written communication.
• Ability to multi-task.
• Attention to detail.
• Ability to maintain confidentiality.
• Proficiency to handle high-pressure situations and deliver within stated timelines.
• Problem-solving skills & capable to consistently operate with moderate to minimal guidance.
• Relationship building skills.
• History of mentoring junior Credit Analysts.
• Willingness to learn and desire to grow professionally.
• Track and meet deadlines for loan presentations and annual/periodic reviews.

Benefits

All employees must possess valid work authorization to work for UWCU on the date of hire. UWCU does not provide immigration sponsorship or support for employment authorization to include, but not limited to, sponsorship or support for H-1B, F-1 OPT, TN, or other visa category.