Credit Analyst

Credit Analyst

Responsibilities :

• Underwrites commercial loan applications, ensuring the production of high-quality, detailed credit approval documents with thorough analysis and identification of credit risks.
• Perform periodic and / or annual reviews to measure financial performance and make an assessment of other risk factors or trends affecting the ongoing repayment ability of the credit. This may include covenant compliance testing, financial statement spreading, and other credit-related functions.
• Collaborate with business development teams, loan officers, and key stakeholders to structure loan solutions that meet member needs while mitigating credit risk.
• Optimizes underwriting workflows, streamlines processes, and upholds procedures that enhance operational efficiency, regulatory compliance, and service delivery.
• Recommends loan approvals, structures, and risk ratings based on sound credit analysis and alignment with internal policies.
• Prepares and reviews loan write-ups to ensure alignment with internal policies, regulatory standards, and sound underwriting and risk assessment practices.
• Fosters a collaborative and high-performing work environment that promotes teamwork, accountability, and continuous improvement.
• Meets targets for productivity, quality, and borrower satisfaction.
• Monitors and stays current on regulatory guidance from the NCUA, TCUD, and Small Business Administration (SBA).

HOUAC49 #ZR