Senior Commercial Credit Analyst - Risk & Underwriting

Nusenda-Credit-Union; El Paso (TX); On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

Health and wellness options

401(k) matching contributions

Professional development

Tuition assistance

Job summary

Nusenda Credit Union is seeking a Commercial Credit Analyst to evaluate and underwrite business loan opportunities. You will gather and analyze credit information on borrowers, determine loan advisability, and assign risk ratings per policy.

You will support loan reviews, analyze financial statements, and contribute to risk-based decisions. You will collaborate with Business Services Officers and Management Loan Review Committee to structure loans and present recommendations.

Qualifications

• Three to five years of commercial underwriting or financial experience.
• Bachelor's degree in business administration, accounting, or finance.
• Experience with credit analysis and loan underwriting processes.

Responsibilities

• Monitor and manage credit risk on assigned portfolios.
• Spread and analyze financials using Buker's spreading software.
• Complete annual loan reviews in accordance with policy using underwriting templates and forms.
• Test and process financial covenants in the commercial loan origination system, and periodically evaluating credit risk and collateral.
• Complete analysis and underwriting of new loan requests, including screening, spreading, analyzing cash flow and repayment sources, collateral, and guarantors, risk rates loans, and prepare formal credit memoranda.
• Collaborate with Business Services Officers, external customers, and management to identify, negotiate, and recommend loan structures.
• Support Business Services Officers in presentations of new loan requests to Management Loan Review Committee.

Skills

In-depth research

Financial analysis

Cash flow modeling

GAAP financial statements

Lending knowledge

Regulatory compliance

Credit risk assessment

Analytical thinking

Education

Bachelor's degree in business administration, accounting, or finance

Tools

Buker's spreading software

Job description

Nusenda Credit Union is seeking a Commercial Credit Analyst to evaluate and underwrite business loan opportunities. You will gather and analyze credit information on borrowers, determine loan advisability, and assign risk ratings per policy.

You will support loan reviews, analyze financial statements, and contribute to risk-based decisions. You will collaborate with Business Services Officers and Management Loan Review Committee to structure loans and present recommendations.