Commercial Loan Underwriter/Credit Analyst Gulfport or NOLA area 5158

JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short Term & Long-Term Disability Benefits 

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS  

SPECIAL NOTE:  Travel is required during training.  Training will be conducted in Gulfport; MS. Additional details will be discussed during interview.

Position: Commercial Loan Underwriter/Credit Analyst

Department: Business Services

Reports to: Credit Admin Manager

FLSA: Exempt                                                                  

The Commercial Loan Underwriter / Credit Analyst supports the evaluation and management of commercial lending activities by analyzing financial data for new and existing loan requests. This role assists in preparing loan presentations, conducting credit investigations, and developing comprehensive credit analysis to support sound lending decisions. This role supports Loan Committee administration, provides guidance on lending policies and procedures, and ensures compliance with all regulatory requirements while contributing to the growth and management of the commercial loan portfolio.

SUPERVISORY RESPONSIBILITIES

None

ESSENTIAL FUNCTIONS

• Analyzes financial data related to new and renewal commercial loan requests
• Provides support with the expectation of increasing and managing a commercial loan portfolio.
• Assists in preparing loan presentations for loan officers for approval.
• Administration of Loan Committee.
• Conduct credit investigations, prepare credit approval reports and summarize credit analyses for review and decision Analyze and evaluate financial condition and credit worthiness of prospective and existing borrowers and borrowing entities.
• Prepare written analysis, summary and supporting documentation for credit decision or recommendation.
• Provide in-depth projections and financial analyses, including the performance of ‘what if’ scenarios that will test the reasonableness of all projections. (Stress-Testing)
• Work in partnership with commercial lenders to obtain all necessary information and clarification of financial analysis materials and resources.
• Track loan progress through the electronic system to ensure access to status is readily available to all involved.
• Provide tracking and updated information for manager’s review as needed.
• Assist processors and loan officers with interpretations of applicable policies, operational guidelines and questions on specific loan files.
• Effectively convey all relevant information in a timely manner.
• Responsible for compliance with all lending regulations, policies, and procedures

Other Duties and Responsibilities:

• Other duties as assigned

 KNOWLEDGE AND SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skills and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Bachelor’s Degree in related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position.

Experience and Other Requirements:

• One to Three years of experience in commercial lending, administration, and/or underwriting required
• Minimum 1 year experience in a Credit Union, bank, or comparable training program preferred.
• Minimum 1 year of experience working in a financial environment analyzing business and personal financial statements stop here and tax returns;
• Experience and ability to work in a financial spreading system
• Must maintain expertise in commercial lending policies, procedures, and systems.
• Must maintain expertise in Excel and other software such as Meridian Link and Laser Pro required for generating accurate and timely documents and reports.
• Experience with Loan Origination Systems and spreading software

Interpersonal Skills:

Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners. Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns. Maintains a courteous, cooperative, and service oriented approach in a variety of work situations, including those involving differing perspectives or needs. Builds positive working relationships and contributes to a collaborative, inclusive, and member focused environment.

Computer Skills:

Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).

 Certificates, Licenses and Registrations:

None required 

 PHYSICAL DEMANDS

The physical demands described below are representative of those that may be associated with performing the essential functions of this position. The essential functions of this role can be performed with or without reasonable accommodation, in accordance with the Americans with Disabilities Act (ADA) and applicable federal, state, and local laws.

While performing the duties of this job, the employee may be required to remain in a stationary position for extended periods, move within the work environment, and operate a computer and other standard office equipment. Job duties may also involve the use of hands and arms to operate tools, devices, or controls, and to exchange information using various communication methods. Occasional postural activities such as bending, kneeling, crouching, or stooping may be required. The position may occasionally require lifting or moving items weighing up to 10 pounds.

WORK ENVIRONMENT

The work environment is primarily a professional office or branch setting, with a focus on member service and collaboration. This role may require working in shared workspaces and interacting with members, coworkers, and vendors through various communication methods. Work may involve extended periods of sitting or standing, repetitive motions such as computer or device use, and occasional movement throughout the facility.

The essential functions of the position can be performed with or without reasonable accommodation, in accordance with applicable federal, state, and local laws, including the Americans with Disabilities Act (ADA).

DECLARATION

The human resources department retains the sole rights and discretion to make changes to this job description.

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