Real Estate/Commercial Lending Analyst

Coosa Valley Credit Union is excited to announce an opening for Real Estate/Commercial Lending Analyst within our Loan Operations Department at the Annex location! We are looking for individuals who are passionate about helping our members achieve their financial goals and improve their financial well‑being. If you are eager to be a part of a dynamic team dedicated to making a positive impact in the lives of our members, we encourage you to apply today for this exciting opportunity at Coosa Valley Credit Union.

Job Description

• Demonstrate CVCU Culture and Values while supporting the full operational lifecycle of commercial and consumer real estate loans from origination to post-closing.
• Perform in-depth analysis and ensure smooth coordination across all stages of the lending process.
• Review and implement appropriate process workflows and reporting that keep loans compliant, efficient, and within lending guidelines.
• Serve as a critical analyst liaison between lenders and backoffice departments (i.e. Loan Operations, Compliance, Audit and Learning & Development) to identify, triage, resolve operational issues and develop training for the specialized lending program.
• Participates in appropriate and applicable training through the credit union library, on-site trainings, cross training to ensure job knowledge is current and up to date.
• Maintains compliance with all required regulations and policies, Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) policies, procedures, and regulations.
• Other duties as assigned.

Job Qualifications

Experience: One year to three years of similar or related experience.

Education

• A two-year college degree
• Completion of a specialized certification or licensing
• Completion of specialized training courses conducted by vendors
• Job-specific skills acquired through an apprenticeship program

Interpersonal Skills

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting
cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills: One or more of the following certifications:

• Business Lending Certificate Program (or equivalent).
• National Association of Mortgage Processors (NAMP) – Certified Mortgage Processor
• Credit Union industry certifications related to Real Estate or Commercial Lending and Compliance

Physical Requirements

• Remains in a stationary position for 50% or more of the time
• Regularly operates office equipment, such as a computer, calculator, copy machine, and printer.
• Communicates information and ideas effectively, ensuring accurate exchange of information in all situations.
• Observes details at close range, typically within a few feet of the observer.
• Occasionally moves items weighing 10-15 pounds within the work location or as needed.

Work Environment

This position requires approximately 10% travel time. Travel will primarily be local, but may extend to any location where the organization operates. Some travel for training or conferences may involve overnight stays, depending on business needs. The work environment is a professional, office-based setting that promotes collaboration, open communication, and a positive atmosphere. Employees are encouraged to work both independently and as part of a team.

Core Competencies

Adaptability – Adapts to changes in the work environment, manages competing demands, accepts criticism and feedback, changes approach or method to best fit the situation.

Business Ethics – Treats people with kindness and respect, keeps commitments, inspires the trust of others, works ethically and with integrity, and upholds organizational values.

Communications – Expresses ideas and thoughts verbally and in written form, exhibits good listening and comprehension, keeps others adequately informed, selects and uses appropriate communication methods, writes clearly and informatively, edits work for spelling and grammar, varies writing style to meet needs, presents numerical data effectively, demonstrates effective and clear presentation skills.

Initiative – Volunteers readily, undertakes self-development activities, seeks increased responsibilities, takes independent actions and calculated risks, looks for and takes advantage of opportunities, asks for and offers help when needed.

Problem Solving – Identifies and resolves problems in a timely manner, gathers and analyzes information skillfully, develops alternative solutions, works well in group problem-solving situations, uses reason even when dealing with emotional topics.

Sales Skills – Achieves sales goals, overcomes objections with persuasion and persistence, initiates new contacts, maintains customer satisfaction, maintains records and promptly submits information.

Benefits

• Medical Insurance
• Vision Insurance
• 401K with employer match
• Life Insurance (2x Salary) – Employer Paid
• Tuition Reimbursement
• Paid Time Off
• Flexible Spending Account (FSA)
• much more!

What does it mean to work at Coosa Valley Credit Union?

At Coosa Valley, serving our members is not just a job; we have a much higher purpose.

At Coosa Valley Credit Union, "We Care" and "We Listen" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service members deserve. No matter the need or unusual circumstance, we still listen.

We use our Core Values as a guide and constant reminder that we can always improve our members’ lives. We don’t charge more so that we can increase a line on a graph and we don’t believe that revenue is most important. Our purpose is simple: to help people in our hometown live better financial lives.

“Helping People Live Better Financial Lives” is the purpose that unites all of us at CVCU. We want to create value – for our members, for our employees, and for the communities in which we operate. CVCU’s employees will always put their experience, pride and enthusiasm into making this happen.