Business Credit Analyst

When you join the Members 1st team, you become part of something much bigger than a credit union. You become part of our faM1ly-a tight-knit bunch with big dreams and even bigger values. It is an exciting time for us as we continue to grow, and we hope that you will choose to grow along with us. Wanting the absolute best for our associates means more than just competitive pay. It means fantastic healthcare, paid benefits, opportunities for professional advancement and work-life balance - and best of all, a place where you are accepted and respected for your individuality.

As a Business Credit Analyst, the role is responsible for reviewing and analyzing moderate and sometimes complex data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. The role uses multiple sources of information, including financial statements, collateral valuations, credit scores, and cash flow analysis to assign risk ratings to loans and complete an analysis of the applicant's financial status. The Business Credit Analyst will make recommendations and decisions within established internal guidelines, regulatory requirements and time frames. Finally, the role will assist in the oversight of the commercial portfolio.

SKILLS
* Advanced analytical and problem-solving skills.
* Must be able to comprehend complex financial statements across a variety of business types
* Excellent communication and interpersonal skills
* Attention to detail and accuracy
* Familiarity with PCs and applicable software
* Knowledge of loan products, banking and the analysis and reporting of financial data is preferred
* Ability to prioritize multiple tasks and complete on a timely basis
* Assures efficient operation and adherence to security, audit and control procedures

COMPETENCIES
* Effective knowledge
* Accountability and self-management
* Teamwork and leadership
* Communication
* Innovation and problem-solving

WORKING CONDITIONS/PHYSICAL DEMANDS
* Ability to communicate effectively in English, both orally and in writing
* Visually able to perform activities such as preparing and analyzing data and figures, viewing a computer terminal, and extensive reading
* Ability to sit for extended time periods
* Sufficient manual skill for operation of PC keyboard and other standard office equipment
* Ability to travel, including occasional overnight travel
* Ability to exert minimum amounts of force occasionally to lift, carry, push, pull or move objects

1-3 years of related experience

We are excited to offer a competitive salary for this position. This figure serves as the entry point in our salary range, and there is potential for the actual salary to be higher based on a variety of factors, such as your experience, skills, education, and location. We believe in recognizing and rewarding talent, so our compensation packages are thoughtfully designed to reflect the unique qualifications and contributions of each candidate.

At Members 1st, we look for individuals who will show up as their whole self because we value diversity, inclusion, and belonging, as well as people who believe in the philosophy of, WE>me. To be sure you align with our company mission, vision, values and culture reference the information below.

Company Culture is at Our Core

If there is one concept, we want you to understand about us, it is this. WE. It is a simple little word but means everything here. We think as one. One faM1ly. One community. One place where everyone belongings. Everything we do is in the best interest of all of us.

What WE Believe

Our Missions: WE serve our members, associates, and communities through support, empowerment, and meaningful relationships.

Our Vision: WE are growing our faM1ly by delivering everything they need to live well financially, through all life's moments and milestones.

Our Values: WE deliver unparalleled experiences through a culture of WE. WE > me. WE are servant leaders- at work and in the communities we serve. WE are financially safe and sound stewards of members dollars. WE are faM1ly.

Join a company that grows with you - personally and professionally

Members 1st provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.