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Public Service Credit Union is looking for an experienced Credit Risk Analysis Manager. This position offers a competitive salary, plus a stellar benefits package!
This position is responsible for developing, organizing, and directing credit risk analysis of the Credit Union. Perform all duties in accordance with established policies, procedures and objectives of the organization and in compliance with all fair lending regulations. As a member of management, provide leadership in meeting strategic goals and objectives.
Major Duties and Responsibilities:
Develop and maintain effective credit analysis practices to meet loan production and portfolio yield objectives.
Manage the credit analysis functions to strengthen product lines and streamline processes within the department while meeting member service standards.
Interpret and present on lending and financial reports; report to the Executive team and Board of Directors on the performance of PSCU’s loan portfolios.
Work within existing CUSO relationships, ensuring work product is consistent with lending strategies.
Manage credit risk analysis and underwriting standards to ensure consideration of capacity to pay, collateral, credit quality and other risk factors are appropriate to meet strategic objectives and financial goals.
Ensure effective administration and regulatory compliance of loan policies, programs, objectives and goals.
Select and provide for the continuing development of subordinate managers and staff. Conduct annual performance reviews, and provide ongoing guidance, training and direction to managers in developing and implementing the Credit Union’s plans and objectives. Promote cost consciousness and fiscal responsibility.
Performs other job related duties as assigned.
Commit to excellence in all areas of job performance, relationship building and member service.
Provide the highest level of quality service to all internal and external members.
Maintain a professional appearance and demeanor with a positive attitude.
Demonstrate strong analytical abilities, decision making and problem solving skills.
Maintain a cohesive, highly trained and motivated staff, to meet the daily financial demands of the organization.
Exhibit support for the organization’s goals, values, initiatives and cost control.
Comply with all applicable rules and regulations.
Prioritize and plan work activities, demonstrating the use of efficient time management
Follow all safety and security guidelines to properly safeguard member and organization assets.
KNOWLEDGE AND SKILLS:
Three to five years of progressively responsible related lending experience; or equivalent combination of education and experience. Experience in both the commercial and residential mortgage lending is preferred.
Strong working knowledge of regulatory compliance, state/federal compliance regulations, lending policies, credit union operations, profitability analysis, and asset/liability management.
Desirable skills and experience in the following areas: Merger, acquisition and consolidation; operating budget, capital budgets and ability to implement short- and long-range financial plans for information technology; experience with regulatory and auditing; strong analytical and problem solving skills.
Have the ability to read, analyze, and interpret the most complex documents and databases. Able to respond effectively to the most sensitive inquiries or complaints. Make effective and persuasive speeches and presentations on controversial or complex topics ot the Board and outside vendors or potential partners.
Bachelor's Degree in Business, Finance, Accounting, or equivalent/related.
Work involves extensive personal contact with members of the executive management team, community leaders, business leaders, credit unions, credit union service organizations (CUSO's) and internal managers. Motivating others or getting them to do things that they might not do otherwise is a key to success for incumbents in this position. External contacts are vital, not only for the success of the position, but the overall success of the company.
Ability to work with mathematical concepts such as those necessary to update spreadsheets and or calculate APY and APR, DTI, LTV and other key measures of credit risk. Ability to read and interpret appraisals, tax returns, business financial statements and other document relied upon to make credit decisions.
While performing the duties of the job, the employee is regularly required to work 40+hours per week, talk, hear, stand, walk, use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift or move up to 25 pounds. Vision abilities required by the job include close and distance vision, color, peripheral, depth vision, and the ability to adjust focus.
Ability to read, analyze, and interpret English. Verbal communication is expressed clearly and concisely in individual situations. Uses proper language at all times. Written communication conveys idea in a concise manner. Effectively writes memos and letters. Internal forms and correspondence are professional in appearance. Handwritten notes are legible and easily understood. Transcribes recorded information.
OTHER SKILLS AND ABILITIES: Ability to operate basic office equipments including fax, copier, and personal computer using database, word processing, and spreadsheet programs. Maintains a filing system that is up to date and accurate.
This list of requirements, duties, and responsibilities is not exhaustive; it is merely the most accurate list for the current position. Public Service Credit Union reserves the right to revise the job description and to require that other tasks be performed when the circumstances of the job change, i.e. changes in personnel, workload, technical development, or emergencies.
This job description is not a complete statement of all duties and responsibilities comprising this position.
Public Service Credit Union - 7 months ago
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