Business Credit Analyst (088-12 LEND)
Amplify Federal Credit Union - Austin, TX

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DESCRIPTION

Amplify's Business Lending department is growing! AMPLIFY is people helping people achieve financial success. We want to help our members bank less and live more, and that includes members who own businesses. Our personalized service is what it is all about. That is why we were ranked one of the Top 50 Credit Unions in the U.S. by SNL Financial in 2012. We are currently seeking qualified individuals for a Full-Time Business Credit Analyst position. This role will be located at our Brockton branch in North Austin by The Domain. THE ROLEDuties include researching and examining credit risks, assessing credit history, and making recommendations for extension of credit based on financial analysis. Assesses ongoing quality of commercial loans, analyzes and reports loan-level credit quality to executive management. Performs portfolio-level risk assessments including stress testing and trend analysis, and reports portfolio risks to executive management.

DUTIES

Assists with the development and implementation of processes to underwrite commercial loans for Small Business and Commercial Real Estate clientsAssists with development and implementation of SBA underwriting practices and guidelinesEstablishes, implements, and documents well-defined credit analysis and production processesEvaluates quality of commercial credit applications and assigns risk rating indicating borrower's financial strength and probability of loan repayment; presents summary of analysis and reasons for assigning all risk ratings to managementPerforms financial analysis from tax returns, financial statements, and pro-forma financial recordsRecommends credit structure such as collateral, loan covenants and repayment termsEvaluates and verifies the value of all collateral to include real estate appraisal reviews and asset valuationsEvaluates available information to determine whether lending officers have acted within established guidelines of lending authority, if loan is in compliance with regulations, and if required documents have been obtainedDevelops and implements processes to analyze and re-evaluate annual risk ratings of existing commercial loans and present loan review information to management on an ongoing basisMonitors commercial loan portfolio for compliance and credit qualityKeeps abreast of market, industry and investment trends that impact the commercial real estate portfolioObtains market/submarket data specific to vacancy allowance, collection loss, asking and effective rents, sales and other pertinent informationDevelops processes to analyze trends among various NAICS codes to stress test portfolio exposure

QUALIFICATIONS

Education and/or ExperienceCollege degree in Accounting or Finance highly desired; Three years of direct credit analysis or administration in a financial institution setting preferred; SBA lending experience a plus.Certificates, Licenses, Registrations Must be bondable. Software & Equipment Requirements To perform this job successfully, an individual should have working knowledge of Microsoft Office Suite - Excel, Word, and Outlook. Other QualificationsThis job also requires the ability to: Accurately and efficiently analyze data;Manage multiple demands simultaneously;Provide consistent, sound judgment under stressful conditions;Communicate complex information effectively, both verbally and in writing; andWork effectively with a variety of people, including peers, managers, and members.Working knowledge of all Federal, state, and NCUA regulations and guidelines pertaining to deposit and loan operations and detailed knowledge of business credit laws and regulations. Amplify conducts credit checks on applicants who are offered this role. To learn more about the credit check process, click here. BENEFITSAMPLIFY offers a rich benefit package including health, dental, life, and disability insurance; 401(k) plan with matching contributions; a fully funded pension plan; profit sharing plan; paid time off; Federal holidays; paid time off to volunteer in the community; tuition reimbursement; a friendly, forward-thinking work environment, and much more. Read our team member testimonials! Check us out on Glassdoor by clicking here! Equal Employment OpportunityAMPLIFY is committed to providing equal employment opportunities (EEO) to all applicants without regard to race, color, religion, gender, genetics, sexual orientation, national origin, age, disability, or status as a covered veteran in accordance with applicable federal, state and local laws. Assists with the development and implementation of processes to underwrite commercial loans for Small Business and Commercial Real Estate clientsAssists with development and implementation of SBA underwriting practices and guidelinesEstablishes, implements, and documents well-defined credit analysis and production processesEvaluates quality of commercial credit applications and assigns risk rating indicating borrower's financial strength and probability of loan repayment; presents summary of analysis and reasons for assigning all risk ratings to managementPerforms financial analysis from tax returns, financial statements, and pro-forma financial recordsRecommends credit structure such as collateral, loan covenants and repayment termsEvaluates and verifies the value of all collateral to include real estate appraisal reviews and asset valuationsEvaluates available information to determine whether lending officers have acted within established guidelines of lending authority, if loan is in compliance with regulations, and if required documents have been obtainedDevelops and implements processes to analyze and re-evaluate annual risk ratings of existing commercial loans and present loan review information to management on an ongoing basisMonitors commercial loan portfolio for compliance and credit qualityKeeps abreast of market, industry and investment trends that impact the commercial real estate portfolioObtains market/submarket data specific to vacancy allowance, collection loss, asking and effective rents, sales and other pertinent informationDevelops processes to analyze trends among various NAICS codes to stress test portfolio exposure

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