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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial lending underwriting, risk assessment, and financial analysis, with a strong ability to mentor junior analysts and manage loan portfolios effectively. Proficient in preparing reports and presentations while adhering to regulatory policies.
Highest-signal resume keywords
Commercial Lending UnderwritingRisk AssessmentFinancial AnalysisMentoring Junior AnalystsMicrosoft Excel
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Risk AssessmentFinancial AnalysisLoan StructuringCredit Extension DeterminationData GatheringBudget AnalysisCash Flow AnalysisCredit Policy AdherenceReport PreparationLoan Portfolio Management
Soft Skills
TrainingCommunicationPresentation SkillsFeedback Provision
Tools & Technologies
Microsoft WordMicrosoft Excel
Industry Keywords
Commercial LoanMember Business Loan PolicyCredit UnionBorrower Financial InformationCovenant TrackingRisk Grades
About the role
Key responsibilities & impact- Assess risks of commercial loan requests
- Manage administrative requirements of a commercial loan portfolio
- Train and mentor junior credit analysts
- Assist credit and lending staff with commercial loan requests
- Manage and complete assigned credit-specific projects
- Gather and analyze financial data including income growth, budgets, projections, cash flow, management quality, and industry information
- Determine credit extensions and associated risks
- Assist commercial loan officers with loan structuring in accordance with regulations and policies
- Provide loan officers with pertinent questions regarding borrowers and loan requests
- Provide feedback on Member Business Loan policy and procedures
- Prepare formal requests to waive regulations when required by loan structure
- Maintain financial statement, covenant, and borrowing base tracking reports
- Collect and review updated borrower financial information to reassess risk grades and detect potential credit deterioration
- Assist with the commercial lending referral system and communicate with potential borrowers about loan structures, loan types, and required information
Requirements
What you’ll need- Bachelor's degree in Business, Finance, Economics or other related business study
- Five to eight years of commercial lending underwriting experience
- Ability to prepare written reports and present formal presentations
- Expert working knowledge of Microsoft Word and Excel
- Must adhere to the Credit Union’s Member Business Loan Policy
- Equal Opportunity Employer
Benefits
Comp & perks- Weekly pay
- Retirement savings options
- Comprehensive medical coverage with prescription
- Dental coverage
- Vision coverage
- HSA match
- Paid parental leave
- Tuition reimbursement