Experience:
3-5 years of experience
Concerned about your lack of experience? Learn More...
Employment Type:
Full time
Posted:
4/23/2019
Job Category:
Accounting
Credit Analyst
(This job is no longer available)
Meritrust | wichita, KS
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Job Description

Overview

Responsible for assessing financial information and economic industry trends to evaluate the creditworthiness of existing and prospective borrowers. Credit Analysts work with many areas of the credit union to identify and mitigate credit risks while supporting growth goals for the loan portfolio. This role will be responsible for ensuring compliance with internal business loan policies and procedures as well as adherence to regulations/guidelines from external regulatory and legislative agencies.

Responsibilities

* Spread and analyst personal and business tax returns.
* Analyze financial and pro forma statements, cash budget projections, and economic industry trends.
* Assess repayment capacity and collateral adequacy.
* Assist in structuring loan requests based on credit criteria, profitability and member need.
* General loan presentations for review and approval.
* Review property or collateral inspections, appraisals, and other supporting documentation for new loan requests or for annual review of credit.
* Assists Business Lending team with data collecting, reporting, and tracking.
* Perform other duties as assigned by the Credit Analyst II.

Qualifications

* Knowledge of appropriate lending regulations, procedures, and practices.
* Ability to perform financial analyses on business financials and tax returns.
* Excellent oral/written communication skills and problem solving skills.
* Proficiency in using spreadsheet and word processing applications.
* Ability to adhere to underwriting policies and procedures and credit culture standards.
* College degree preferred.
* Demonstrated track record of self improvement.
* Three years financial institution experience, working with a broad range of products and services.

About Meritrust

Meritrust Credit Union is a not-for-profit organization. It's the best place to help you achieve your financial goals, whatever they may be. Welcome to your credit union. Come talk to us and you'll see just how much you love it.