Credit Analyst
Oregon Community Credit Union - Eugene, OR

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Perform various analytical, technical and underwriting functions related to loan activity.

Location: Eugene

Beginning Salary Range: $56,000 - $72,000 Annually

  • Prepare thorough borrower and dealer analysis including financial reports with explanations along with spreading various tax returns and financial information to be used for loan underwriting.
  • Document comparisons of potential business loan borrowers to its market conditions such as liquidity, profitability, credit and historic business trends along with other companies in the same industry, size and geographic location.
  • Analyze potential business loan borrowers to determine relevant underwriting factors such as income trends, quality of management, industry trends, potential risks and collateral type and valuations.
  • Prepare various credit requests, including results of credit analysis and a summary of loan requirements.
  • Prepare loan documentation in a complete and accurate manner on an as needed basis.
  • Monitor and review accounts receivable aging for lines of credit.
  • Monitor, review and follow up on all disbursements and pay downs on agriculture lines of credit.
  • Complete necessary loan applications and process loans within assigned limits.
  • Assist Loan Officers with loan application and approval process for loan amounts outside assigned limits.
  • Prepare and deliver concise and accurate reports.
  • Provide assistance to members on account-related issues.
  • Prepare annual reviews on necessary commercial loans as required (e.g., complete property inspections, spread annual financials, rent rolls, etc.).
  • Other duties as assigned.
  • Expectations:
  • To follow all company policies and act as a role model to others in the following of these policies. This includes, but is not limited to, providing exceptional internal and external service, championing company values, representing the Credit Union with a high level of professionalism, working hard to support your teams, and arriving to work on time every day with a positive attitude.
  • Ability to draw on a wide variety of skills to enhance product delivery and performance.
  • Use personal judgment from skill and experience to recommend changes to the program.
  • Plan and execute multiple projects and initiatives balancing department and organizational demands and resources.
  • Delivery of timely and accurate information for decision making.
  • Strong presentation, verbal and written communication skills.
  • Highly organized and detail oriented.
  • Self-motivated and independent.
  • Must be a Team Player and able to work with many different levels of the organization.
  • Experience: At least five years of experience in commercial credit.

    Education: Equivalent to a bachelor’s degree in Business, Finance, or related field.

    Physical Demands and Work Requirements: The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
    • Physical Demands: While performing the duties of this job, the employee is frequently required to sit; use hands to finger, handle, or feel; and to talk and hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.
    • Work Environment: The noise level in the work environment is usually moderate.
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