Credit Analyst underwriting loan requests at Mid-Hudson Valley Federal Credit Union. Reviewing business loan applications and ensuring compliance with established policies and regulations.
Responsibilities
Underwrite loan requests while adhering to established credit union policies and conforming to regulatory statutes.
Review business loan applications and supporting financial statements to determine the borrowing capacity, capitalization, and cash flow dynamics for the applicant.
Use analytical software to evaluate loan requests, interpret credit scores, and determine the need for further analysis.
Prepare the credit memorandum and reports for review by the loan committee.
Attend Credit Loan Committee meetings, presenting summary information and participating in discussions on other loans being considered.
Perform annual reviews on the commercial loan portfolio pursuant to the credit union guidelines.
Assist in servicing existing MBL relationships as needed.
Requirements
Three to five years of similar or related experience.
A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).
Strong analytical skills and ability to make sound judgments.
Strong time management and ability to manage multiple workloads with successful results.
Excellent written communication and listening skills.
Proficiency in computer skills (i.e., Microsoft Office).
Benefits
Medical, Dental and Vision - with no waiting period for coverage!
401(k) with employer match and non-elective employer contribution
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