Company Description

Ent Credit Union exists to improve the financial quality of life of the people we serve. This mission drives us every day, but we are more than our mission. We're also individuals using our unique abilities to make our organization, and the communities we serve, better than they were yesterday. We're a not-for-profit that puts people above profits and actively invests in our community. Our rapidly growing team is expanding our reach to serve more people throughout Colorado. To spread our mission far and wide, we need people like you. If you're interested in a paycheck with a purpose, apply with us today. Our people make the difference, and we truly believe you are our greatest asset.

Job Description

These unique roles will support the Corporate Banking Officers in providing thorough and accurate financial, company, risk, and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors, monitoring borrower compliance with approved terms, performing portfolio management tasks and analysis, and assisting in the administration of credit relationships.

At the Junior level, the incumbent is being introduced to the various methods used to effectively control Ent's potential risk in corporate lending and making recommendations on existing / new applicant decisions.

Essential Functions Analysis: Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicant's business plan, financial statements, and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintain a working knowledge of the bank's lending policies, procedures, and philosophies toward various types of loans. Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure, management evaluation and the background of the business and industry), provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations, portfolio and borrower stress testing, risk rating reviews, covenant compliance, portfolio analysis, and other duties, Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities. Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

Minimum Formal Qualifications for the Corporate Lending Credit Analyst Jr: Bachelor's Degree in Accounting, Business Administration, Finance, or related field 1+ years' general business administration / accounting / finance or similar business operations experience. Minimum Formal Qualifications for the Corporate Lending Credit Analyst: Bachelor's Degree in Accounting, Business Administration, Finance, or related field 3+ years' general business administration / accounting / finance or similar business operations experience.

Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example, a requirement of a bachelor's degree in accounting and 2+ years of account experience could be substituted for a high school diploma and 6 years of relevant accounting work experience or a master's degree in accounting and 0 years of work experien

Technical or Specialized Knowledge/Skills: Knowledge of business structures, industries, and member relationship management. Strong command of the skills and tools used in business, lending, risk & financial analysis. Experience in sales related activity. Strong member service skills. Strong Excel/Word skills. Strong Computer skills. Demonstrated ability to learn quickly, think independently, and be coachable. (preferred) Knowledge of accounting/finance principles. Certifications Required: Valid Driver's license with an acceptable driving record required Environmental, Physical and Psychological Requirements Standing - Occasionally Walking - Occasionally Sitting - Frequently Lifting - Rarely (40 Lbs) Carrying - Rarely Pushing - Rarely Pulling - Rarely Balancing - Rarely Stooping - Rarely Kneeling - Rarely Crouching - Rarely Crawling - Rarely