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Offer: Commercial Credit Analyst II:Job description:
Commercial Credit Analyst IIOverviewHudson Valley Credit Union is currently recruiting for the position of Commercial Credit Analyst II. Primary Function: Perform in-depth commercial credit analyses, generally on the more complex or time sensitive files, on a timely basis that are consistent with HVCU format, policy and procedures, including making recommendations on approval and determining appropriate risk ratings for all types of commercial products, with little guidance from the Commercial Lending leadership abilities team. Responsibilities » Perform in-depth commercial credit analyses, generally on the more complex and time sensitive files that are consistent with HVCU format, policy and procedures, comprehensive and contain thorough and significant analysis, and are free of typographical, grammatical and mathematical errors that require limited or no editing by the manager, Commercial Credit/AVP, Commercial Lending. To include identifying recurring and non-recurring sources of cash flow, the Borrower’s capability to cover debt service, and the capability of the guarantor to support the Borrower. » Assign the appropriate risk rating located on identified financial trends, risks, mitigants and policy exceptions. Recommendations are to be supported by financial spreads, investigative data (credit reports; lien & litigation searches, etc.) and where applicable global cash flows, covenant compliance assessments or other such analytical measures. » Assist with loan structure and mentoring of other credit staff, on an as needed basis. » Complete commercial credit analyses within specified deadlines. » Maintain the Credit Union’s commercial loan portfolio by performing annual reviews, renewals, extensions and modifications on existing borrowing relationships. » Respond to inquiries relating to his/her particular area, or to requests from other HVCU personnel, members, etc. within given timeframes and within established policy. » Achieve goals assigned to the Credit Analyst II as part of the departments’ annual operating plan. To include initiating and implementing process improvements to enhance member practice and increase department efficiencies. » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Qualifications » Bachelor’s Degree Accounting, Finance ore a related field of study; business underwriting education training required » Minimum 5 Years Direct Commercial Credit Analysis practice required Why Choose HVCU? Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a significant impact.Come be part of a Great Place to Work! Employee Perks: » Base & Variable Pay Structures » Paid Personal, Holiday & Volunteer Time Off » Professional Development Training through HVCU University & Academy » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental & Vision Coverage » 401(k) With Employer Match & Non-Elective Employer Contribution » Life, Short-term & Long-term Discapability Insurances » Discounted Loan Rates & Fees HVCU is an Equal Opportunity Employer, including individuals with disabilities and veterans. » Bachelor’s Degree Accounting, Finance ore a related field of study; business underwriting education training required » Minimum 5 Years Direct Commercial Credit Analysis practice required » Perform in-depth commercial credit analyses, generally on the more complex and time sensitive files that are consistent with HVCU format, policy and procedures, comprehensive and contain thorough and significant analysis, and are free of typographical, grammatical and mathematical errors that require limited or no editing by the manager, Commercial Credit/AVP, Commercial Lending. To include identifying recurring and non-recurring sources of cash flow, the Borrower’s capability to cover debt service, and the capability of the guarantor to support the Borrower. » Assign the appropriate risk rating located on identified financial trends, risks, mitigants and policy exceptions. Recommendations are to be supported by financial spreads, investigative data (credit reports; lien & litigation searches, etc.) and where applicable global cash flows, covenant compliance assessments or other such analytical measures. » Assist with loan structure and mentoring of other credit staff, on an as needed basis. » Complete commercial credit analyses within specified deadlines. » Maintain the Credit Union’s commercial loan portfolio by performing annual reviews, renewals, extensions and modifications on existing borrowing relationships. » Respond to inquiries relating to his/her particular area, or to requests from other HVCU personnel, members, etc. within given timeframes and within established policy. » Achieve goals assigned to the Credit Analyst II as part of the departments’ annual operating plan. To include initiating and implementing process improvements to enhance member practice and increase department efficiencies. » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Skills:
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