Share Email Opening Title Business Credit Analyst  Description If you are passionate about making a difference in people’s lives, you can build your career in helping families achieve their goals and helping people dream.   Our Business Credit Analyst is responsible for the analysis and review of Business Service Loans and requests, ensuring compliance with all policies and procedures, federal and state laws, rules and regulations. This position requires the ability to provide high quality professional service to new, potential and current business members.   Clackamas believes that each employee makes a significant contribution to the success of our Mission, Vision, Values and service standards.   Learn more about working at Clackamas here: http://bit.ly/clackamas-youtube   Essential Functions: Promote, motivate, and mentor a culture that promotes business account relationships and encourages new members. Responsible for independently analyzing and spreading all credit requests and analyzing the repayment capacity of new applicants and existing obligors, Monitoring borrower compliance with approved terms, portfolio management, and assisting in the administration of credit relationships. Responsible for accurately evaluating the credit worthiness of potential borrowers to ensure they will be able to meet expected financial obligations. Prepare credit requests for the Business Services Manager and Business Loan Committee. Process all business loan applications by compiling all documents deemed necessary to support the loan application, ensuring compliance of the loan file according to policy, underwriting guidelines, rules and regulations. Ensure that all necessary loan information and documents are provided; noting potential red flags and underlying risks. Participate in the Business Lending Committee. Maintain and keep up-to-date member files including balance sheets, profit & loss statements, cash flow projections and all loan documentation. Assist with periodic reviews of existing systems, policies, procedures, and practices to ensure that they are effective, current and in legal compliance. Ensure necessary reports are prepared for management review (i.e. business deposits, delinquent loans, and loan maturity/review). Receives and reviews mortgage loan files for sufficient documentation to make an informed loan decision based on the product description and standard underwriting guidelines. If there is insufficient information, requests the required information or documentation from the processor, originator, or member. Complete a thorough analysis of the loan package to determine compliance with company and/or investor requirements. Complete analysis of business financials to assess ability to pay on consumer, small business, mortgage, and home equity loans.   Position Requirements Other Expectations: Sales and Service training. Business Account training. Must meet expectations on Performance Evaluations and Behavioral expectations. Personal Development – must complete the annual required courses assigned, and/or courses assigned by your manager. This position requires NMLS registration at the time of employment. Clackamas Federal Credit Union will initiate the NMLS registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.   Education: Required - A two-year college degree or completion of a specialized course of study at a business or trade school. Preferred - A college degree.   Experience: Required – Two years of similar or related experience, including time spent in preparatory positions. Preferred – Two to five years of similar or related experience, including time spent in preparatory positions.   If you are ready to partner with an organization that puts people before profits and has been supporting Clackamas County for over 60 years then apply now! Your new career awaits.   Benefits That Make a Difference Medical, Prescription, Dental, and Vision Coverage Including chiropractic, acupuncture, nutritional counseling, and telehealth Short and Long Term Disability Coverage Generous employer match 401(k) Lifelong learning and training opportunities and reimbursement Employee Assistance Program Including confidential counseling, work-life solutions, financial information, and other resources   Position INACTIVE_Business Credit Analyst   Full-Time/Part-Time Full-Time   Location Oregon City Offices   Hourly Rate Range $25.00 - $29.00 per hour   Open Date 9/1/2020   Close Date 10/28/2020   Req Number BUS-20-00002   EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.   This position is currently not accepting applications. To search for an open position, please go to http://EMBOLDCreditUnion.appone.com Follow us See who works here:

 

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