Senior Credit Analyst

Fox Communities Credit Union; Appleton (WI); Hybrid; USD 49,000 - 86,000; Full time

Job summary

Fox Communities Credit Union seeks a Senior Credit Analyst to assess the creditworthiness of businesses and make informed lending decisions. This role involves analyzing financial data, preparing credit proposals, and collaborating with Relationship Managers. The ideal candidate has a finance-related degree and extensive experience in commercial credit analysis, coupled with strong analytical skills.

Benefits

Medical Insurance

Vision Insurance

401(k) plan with company match

Paid Volunteer Time Off

Tuition assistance

Short and long-term disability insurance

Qualifications

• Extensive experience in commercial credit analysis, preferably in a financial institution.
• Knowledge of commercial lending practices and credit risk assessment.
• Ability to interpret complex financial data.

Responsibilities

• Analyzing financial statements to assess creditworthiness.
• Conducting risk assessments and preparing credit proposals.
• Monitoring credit portfolios for potential risks.

Skills

Analytical skills

Communication

Attention to detail

Education

Bachelor's degree in finance, accounting, or economics

Tools

Financial analysis tools

Job description

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Senior Talent Acquisition Specialist at Fox Communities Credit Union

We currently have a career opportunity for a full-time Senior Credit Analyst based out of our Calumet St location in Appleton! After initial onboarding onsite, this position could have the opportunity for hybrid (4 days onsite/week, 1 remote) work consideration.

TheSenior Credit Analyst is responsible for assessing the creditworthiness and financial stability of commercial members. This involves analyzing a variety of financial data to evaluate the risk associated with extending credit or lending money to businesses, playing a crucial role in helping the organization make informed decisions regarding credit approvals and loan recommendations. The Senior Credit Analyst role requires a combination of financial expertise, critical thinking skills, and a deep understanding of commercial lending practices to effectively evaluate credit risk and support sound decision-making within the organization.

The primary responsibilities of the Senior Credit Analyst role include but are not limited to:

• Promoting and upholding the Fox Purpose, Mission, Vision, and Values
• Analyzing financial statements: Reviewing and analyzing financial statements, income statements, balance sheets, cash flow statements, and other financial data provided by commercial members to assess their financial health and creditworthiness
• Conducting risk assessments: Evaluating the credit risk of commercial members by assessing factors such as industry trends, market conditions, business performance, and management strength
• Preparing credit proposals: Compiling detailed credit proposals outlining the findings of the credit analysis, including recommended credit limits, terms, and conditions
• Performing industry research: Staying informed about industry trends, economic conditions, and regulatory changes to assess how they may impact the credit risk of commercial members
• Collaborating with Relationship Managers: Working closely with Relationship Managers and other stakeholders to gather additional information and provide recommendations on credit decisions
• Monitoring credit portfolios: Monitoring the performance of existing credit accounts, identifying potential risks, and recommending appropriate actions to mitigate credit losses
• Ensuring compliance: Ensuring that all credit decisions comply with regulatory requirements, internal policies, and risk management guidelines
• Communicating: Effectively communicating complex financial information and credit recommendations to decision-makers within the organization

Candidates for the Senior Credit Analyst position should possess:

• Bachelor’s degree in finance, accounting, economics, or a related field
• Extensive experience in commercial credit analysis, preferably in a financial institution
• Knowledge of commercial lending practices, credit risk assessment, and financial statement analysis
• Strong analytical skills, attention to detail, and the ability to interpret complex financial data
• Excellent communication and interpersonal skills
• Proficiency in financial analysis tools and software

Fox Communities Credit Union is a $3 billion in assets community-based credit union serving more than 130,000 members at over 20 locations. We take pride in being a progressive, member-owned, full service financial institution dedicated to serving the community.

Fox Communities Credit Union believes our team members are our most important asset. We offer a great team environment, competitive salary and an excellent benefit package which includes, medical, dental, vision, life, short term and long-term disability insurance, 401k (Roth and Traditional), which includes company contributions including match, paid time off and caregiver leave! As part of our commitment to the communities we serve, we also offer all team members Paid Volunteer Time Off! If you are enthusiastic about a rewarding career with a successful & growing credit union, apply now!

Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities.

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance

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Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

Tuition assistance

Disability insurance

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