Job Description

Title: Business Lending Credit Analyst II Grade 10 Position Status – Full-time Exempt Reports To: AVP of Business Lending Purpose : The primary purpose of this position is to assist Atlanta Postal Credit Union (APCU) to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.” The Business Lending Credit Analyst II role is responsible comprehensive analytical review of commercial loan request and periodic reviews to ensure compliance with commercial lending policies, and procedures. The incumbent provides independent analytical and credit review support to the Business Lending and Business Services areas of the credit union. Essential Duties and Responsibilities: Other duties may be assigned. Deliver outstanding service to both internal and external members that is in alignment with our Service Promises: I promise to be mindful of your time with fast, efficient, courteous, and friendly service. I promise to demonstrate integrity in all my interactions. I promise to always treat you with dignity and respect. I promise to work with fellow employees throughout the credit union to ensure you receive the best possible products, service, and solutions. I promise to safeguard the security and confidential nature of your financial information. I promise to greet you with a smile and thank you for your business when your transaction is completed. I promise to deliver on our mission to help you achieve financial success by providing exceptional products and service. Deliver outstanding service to both internal and external members that is in alignment with our Service Promises: Spread and analyze financial statements, including cash flows, performance ratios, and proformas to develop initial assessments by identifying strengths and weaknesses pertaining to a borrower’s past and future performance. Coordinate completion and reviews of MBL loan requests of any loan relationship/request size, including commercial vehicles, equipment, and real estate. Work with Loan Officers in preparing in-depth written analyses on loan relationships for presentation in the approval process. This includes credit investigation of borrowers and guarantors; economic and market conditions as they relate to the company, industry, and market area; historical financial analysis, and analysis of a guarantor’s financial position and cash flow coverage. Collect and maintain industry data; research industry specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Present compiled data and recommends enhancements. Attend loan approval and loan audit meetings as required and requires the ability to answer questions regarding an analysis of a particular loan proposal. Prepare entire proposal packages, as necessary. Establish and maintain credit files for each relationship. Ensure that member’s credit information such as loan documentation, financial statements, tax information, insurance binders, credit history from trade references, and correspondence are incorporated in the credit file, are current, and are obtained in a timely manner. Notify management of any violations, and request follow-up to resolve or waive. Prepare and send out notification letters to members requesting updated credit information and financial statements, as necessary. Assist the department manager in writing or updating policies and procedures relating to Member Business Lending. Provide support to management in the development and implementation of special reports and/or special projects to maintain a sound and solid loan origination process. Perform collateral analysis as needed: appraisals, environmental reviews, flood certs. Effectively uses written and oral communication skills in daily correspondence and completion of tasks. Maintains up-to-date knowledge of the products and services offered by the credit union As required, may assist management in providing on the job training to other credit analysts in the department. Maintains up-to-date and comprehensive knowledge and application of all state and federal laws and regulations applicable to business accounts, and commercial real estate transactions. Adhere to NCUA regulations relating to Member Business Lending. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position. Perform other duties as assigned. Supervisory Responsibilities: No direct reports. Achieves established objectives and results through communications with internal and external stakeholders, managers, and members. Qualification Requirements : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. REQUIRED Education and/or Experience: A bachelor's degree in a finance, business administration, accounting, or other relative areas of study 2 years specific commercial credit analysis experience in a financial institution Relative commercial real estate work experience Working knowledge of financial analysis software PREFFERED Education and/or Experience: A bachelor's degree in a finance, business administration, accounting, or other relative areas of study Commercial Banking and Credit Analyst (CBCA) or other relative certification(s) Prior credit analyst work in a credit union Previous experience with Symitar Physical Job Requirements: Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 20 pounds. Employment Type: Full Time Salary: $56,000 - $84,300 Annual Bonus/Commission: No

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