Know ATS Score
CV/Résumé Score
  • Expertini Resume Scoring: Our Semantic Matching Algorithm evaluates your CV/Résumé before you apply for this job role: Commercial Credit Analyst.
United States Jobs Expertini

Urgent! Commercial Credit Analyst Job Opening In Elkhorn – Now Hiring Advia Credit Union

Commercial Credit Analyst



Job description

Description

Employment Type: Full-Time, Hybrid #LI-HYBRID

What you should know about the role

This position is responsible for evaluating the financial statements and condition of commercial loan members applying for credit.

Analyzes complex personal and corporate loan portfolio financial statements for loan risk rating and monitoring purposes on a single loan or relationship basis.

Performs timely and accurate annual reviews to monitor credit quality and early identification of deterioration of credit quality.

Analyzes such items as income, quality of management, market share, potential risks and collateral appraisal.

Prepares loan presentations, which include credit analysis and a summary of the loan request.

This is accomplished by providing outstanding service to both internal and external members as defined by living and demonstrating the core values of the credit union; Act with Integrity, Drive Progress, Build & Strengthen Relationships and Keep People at the Core.

What you should know about Advia

Advia is a fast-growing Credit Union that is positioned in the top 3% of credit unions across the United States.

We serve almost 200,000 members with assets over $3 Billion.

We offer very similar product and services as the big banks with a focus on saving our members money while providing financial advantages.

We are rooted in our communities and believe we have a responsibility to give back outside of our four branch walls through volunteering and charitable donations.

The work environment at Advia is fast-paced, performance based, and fun infused.

We certainly live by the saying work hard, play hard.

As an employee of Advia, you can expect regular and constructive feedback, development opportunities, great benefits, excellent co-workers and engaged managers.

Major Duties and Responsibilities

  • Utilizes and maintains credit analysis software.
  • Underwrites existing and prospective commercial client requests.

    Tasks consist of analytical review of all financial statements, comparison of the client’s historical financial performance with industry and competitor trends.
  • Periodically accompany Commercial Lenders on meetings with Commercial Members or at other business development events
  • Assesses collateral offered and its marketability to make certain the credit relationships meet internal policy guidelines and regulation standards.
  • Reviews and ensures commercial loan policy compliance throughout the commercial lending process, including the review of various reports and loan approval conditions.
  • Works closely with commercial lenders to fully understand the request, establishing and defining credit requirements and risk mitigation to make credit recommendations to the appropriate individual or committee based on credit analysis.
  • Assist the department in training and sharing knowledge with Commercial Credit Analyst I team members
  • Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with
  • management.

    This may include coordinating functions with related departments, providing support as needed, keeping management informed of area activities and of any significant problems, attending and participating in meetings and committees as required and completing required reports and records.
  • Reviews and helps recommend various reports and other loan approval conditions.
  • Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals.

    Answers questions and resolves requests.

    This may include assisting department personnel with administrative tasks as needed, and maintaining and protecting the Credit Union's professional reputation.
  • Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

    Additionally, all employees must follow policies and procedures to minimize risk by exercising judgment, raising questions to management, and adhering to policy guidelines.
  • Requirements

    Experience

    3+ years of Commercial Credit Analysis Experience.

    Minimum of three years of Commercial Lending experience.

    Knowledge of Credit Union lending and collections programs, policies, and procedures.

    Understanding of financial analysis and determination of credit worthiness.

    The candidate should have a clear understanding of general accounting principles as well as general knowledge of business, finance and economics.

    An advanced knowledge and understanding of multiple balance sheets and corporate entities with the ability to interpret all forms of financial data and instruments is needed for this role.

    Strong analytical abilities.

    Sageworks credit analysis software experience preferred.

    SBA experience preferred.

    Education/Certification/Licenses

    A college degree.

    Interpersonal Skills

    A significant level of trust, credibility and diplomacy is required.

    In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature.

    Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

    Typically includes subject matter experts as well as first level to middle managers.

    Physical Requirements

    Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.

    Must be capable of climbing / descending stairs in emergency situation.

    Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator.

    Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.

    Must be able to work extended hours whenever required or requested by management.

    Must be capable of regular, reliable and timely attendance.

    Working Conditions

    Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

    Mental and/or Emotional Requirements

    Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.

    Must be able to read and carry out various written instructions and follow oral instructions.

    Must be able to speak clearly and deliver information in a logical and understandable sequence.

    Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.

    Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.

    Must be able to effectively handle multiple, simultaneous, and changing priorities.

    Must be capable of exercising highest level of discretion on both internal and external confidential matters.


    Required Skill Profession

    Financial Specialists



    Your Complete Job Search Toolkit

    ✨ Smart • Intelligent • Private • Secure

    Start Using Our Tools

    Join thousands of professionals who've advanced their careers with our platform

    Rate or Report This Job
    If you feel this job is inaccurate or spam kindly report to us using below form.
    Please Note: This is NOT a job application form.


      Unlock Your Commercial Credit Potential: Insight & Career Growth Guide


    • Real-time Commercial Credit Jobs Trends in Elkhorn, United States (Graphical Representation)

      Explore profound insights with Expertini's real-time, in-depth analysis, showcased through the graph below. This graph displays the job market trends for Commercial Credit in Elkhorn, United States using a bar chart to represent the number of jobs available and a trend line to illustrate the trend over time. Specifically, the graph shows 24511 jobs in United States and 3 jobs in Elkhorn. This comprehensive analysis highlights market share and opportunities for professionals in Commercial Credit roles. These dynamic trends provide a better understanding of the job market landscape in these regions.

    • Are You Looking for Commercial Credit Analyst Job?

      Great news! is currently hiring and seeking a Commercial Credit Analyst to join their team. Feel free to download the job details.

      Wait no longer! Are you also interested in exploring similar jobs? Search now: .

    • The Work Culture

      An organization's rules and standards set how people should be treated in the office and how different situations should be handled. The work culture at Advia Credit Union adheres to the cultural norms as outlined by Expertini.

      The fundamental ethical values are:
      • 1. Independence
      • 2. Loyalty
      • 3. Impartiality
      • 4. Integrity
      • 5. Accountability
      • 6. Respect for human rights
      • 7. Obeying United States laws and regulations
    • What Is the Average Salary Range for Commercial Credit Analyst Positions?

      The average salary range for a varies, but the pay scale is rated "Standard" in Elkhorn. Salary levels may vary depending on your industry, experience, and skills. It's essential to research and negotiate effectively. We advise reading the full job specification before proceeding with the application to understand the salary package.

    • What Are the Key Qualifications for Commercial Credit Analyst?

      Key qualifications for Commercial Credit Analyst typically include Financial Specialists and a list of qualifications and expertise as mentioned in the job specification. Be sure to check the specific job listing for detailed requirements and qualifications.

    • How Can I Improve My Chances of Getting Hired for Commercial Credit Analyst?

      To improve your chances of getting hired for Commercial Credit Analyst, consider enhancing your skills. Check your CV/Résumé Score with our free Tool. We have an in-built Resume Scoring tool that gives you the matching score for each job based on your CV/Résumé once it is uploaded. This can help you align your CV/Résumé according to the job requirements and enhance your skills if needed.

    • Interview Tips for Commercial Credit Analyst Job Success
      Advia Credit Union interview tips for Commercial Credit Analyst

      Here are some tips to help you prepare for and ace your job interview:

      Before the Interview:
      • Research: Learn about the Advia Credit Union's mission, values, products, and the specific job requirements and get further information about
      • Other Openings
      • Practice: Prepare answers to common interview questions and rehearse using the STAR method (Situation, Task, Action, Result) to showcase your skills and experiences.
      • Dress Professionally: Choose attire appropriate for the company culture.
      • Prepare Questions: Show your interest by having thoughtful questions for the interviewer.
      • Plan Your Commute: Allow ample time to arrive on time and avoid feeling rushed.
      During the Interview:
      • Be Punctual: Arrive on time to demonstrate professionalism and respect.
      • Make a Great First Impression: Greet the interviewer with a handshake, smile, and eye contact.
      • Confidence and Enthusiasm: Project a positive attitude and show your genuine interest in the opportunity.
      • Answer Thoughtfully: Listen carefully, take a moment to formulate clear and concise responses. Highlight relevant skills and experiences using the STAR method.
      • Ask Prepared Questions: Demonstrate curiosity and engagement with the role and company.
      • Follow Up: Send a thank-you email to the interviewer within 24 hours.
      Additional Tips:
      • Be Yourself: Let your personality shine through while maintaining professionalism.
      • Be Honest: Don't exaggerate your skills or experience.
      • Be Positive: Focus on your strengths and accomplishments.
      • Body Language: Maintain good posture, avoid fidgeting, and make eye contact.
      • Turn Off Phone: Avoid distractions during the interview.
      Final Thought:

      To prepare for your Commercial Credit Analyst interview at Advia Credit Union, research the company, understand the job requirements, and practice common interview questions.

      Highlight your leadership skills, achievements, and strategic thinking abilities. Be prepared to discuss your experience with HR, including your approach to meeting targets as a team player. Additionally, review the Advia Credit Union's products or services and be prepared to discuss how you can contribute to their success.

      By following these tips, you can increase your chances of making a positive impression and landing the job!

    • How to Set Up Job Alerts for Commercial Credit Analyst Positions

      Setting up job alerts for Commercial Credit Analyst is easy with United States Jobs Expertini. Simply visit our job alerts page here, enter your preferred job title and location, and choose how often you want to receive notifications. You'll get the latest job openings sent directly to your email for FREE!