Senior Commercial Credit Analyst
APG Federal Credit Union, Edgewood, MD, United States
Where Banking Feels Like Belonging
At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co‑workers and communities – helping to navigate life's little and big moments.
Essential Duties And Responsibilities
Manage commercial loan files to ensure compliance with regulatory guidelines and credit union policies.
Determine the credit risk profiles based on financial analysis and market conditions.
Analyze financial spreads to identify potential risks associated with credit applications.
Prepare comprehensive loan presentations, ensuring all deal aspects are accurately represented and ready for approval.
Analyze financial statements and prepare models to assess various scenarios impacting proposed transactions.
Ensure that financial covenants, reporting requirements, and loan documentation are adhered to throughout the loan process.
Assess all relevant credit and financial information, including financial statements, tax returns, due diligence reports, credit reports, appraisals, and industry research.
Work with the VP of Business Banking to manage deal flow and monitor the quality of the credit portfolio.
Implement internal and external audit points, addressing any issues raised by regulators.
Complete thorough credit analyses for commercial transactions, including risk ratings and rationales, with a focus on identifying risks to the credit union.
Participate in structuring loan requests, suggesting terms, conditions, controls, collateral, and guarantors as necessary.
Stay updated on accounting standards and financial analysis best practices.
Engage in departmental projects and complete related tasks as assigned.
Serve as a point of contact for business members, addressing questions or concerns during credit evaluations.
Compile and maintain economic data relevant to national, regional, and industry‑specific trends.
Assess property appraisals and related documentation.
Accompany loan officers on client calls to gather information for analyses.
Conduct credit inquiries and update information regarding commercial borrowers.
Maintain organized and accessible Business Lending Credit files.
Provide support to loan officers and assist with member service needs as required.
Other duties as assigned.
Qualifications Education:
A degree in finance, accounting, business administration, or a related field preferred; MBA or equivalent work experience preferred. Extensive related experience and certifications can be credited in lieu of education.
Experience:
Minimum of ten years of commercial lending experience as a financial analyst with commercial credit underwriting, with in‑depth knowledge of financial regulations pertaining to commercial credit transactions. Experience analyzing financial statements and credit reports; proficiency in preparing financial projections and conducting thorough risk assessments.
Knowledge, Skills, And Abilities:
Extensive experience in reviewing and understanding financial statements. Self‑motivated, detail‑oriented, with strong organizational skills, decisive, and a “get it done” mentality. Proficient computer literacy in Microsoft Suite, especially Word and Excel. High level of interpersonal skills, excellent communication, sales, relationship management and public relations skills. Experience advising loan applicants and assessing loan applications. Must maintain confidentiality and comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Physical Demands:
The employee is regularly required to stand, walk, use hands to handle objects, talk or hear, reach with hands and arms, type, sit, stoop, kneel, or crouch, and lift up to 25 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Compensation:
$74,000.00 to $125,800 annually. Offers are based on experience and education.
Benefits:
Medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.
APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or Protected Veteran status. Please use the attached link to view the EEO law poster http://www1.eeoc.gov/employers/poster.cfm
APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities. If you need a reasonable accommodation for any part of the employment process, please contact the Human Resources Department with the nature of your request and contact information. Reasonable accommodations are considered on a case‑by‑case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e‑mail address.
E‑Verify Participation Poster English and Spanish. APGFCU participates in E‑Verify and will provide the federal government with your Form I‑9 information to confirm that you are authorized to work in the U.S. (English version). APGFCU participa en E‑Verify y proporcionará al gobierno federal la información de su Formulario I‑9 para confirmar que usted está autorizado para trabajar en los EE. UU. (Español)
For more information, visit: E-Verify Overview | E-Verify. Para obtener más información, visite: Visión General de E-Verify | E-Verify
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Essential Duties And Responsibilities
Manage commercial loan files to ensure compliance with regulatory guidelines and credit union policies.
Determine the credit risk profiles based on financial analysis and market conditions.
Analyze financial spreads to identify potential risks associated with credit applications.
Prepare comprehensive loan presentations, ensuring all deal aspects are accurately represented and ready for approval.
Analyze financial statements and prepare models to assess various scenarios impacting proposed transactions.
Ensure that financial covenants, reporting requirements, and loan documentation are adhered to throughout the loan process.
Assess all relevant credit and financial information, including financial statements, tax returns, due diligence reports, credit reports, appraisals, and industry research.
Work with the VP of Business Banking to manage deal flow and monitor the quality of the credit portfolio.
Implement internal and external audit points, addressing any issues raised by regulators.
Complete thorough credit analyses for commercial transactions, including risk ratings and rationales, with a focus on identifying risks to the credit union.
Participate in structuring loan requests, suggesting terms, conditions, controls, collateral, and guarantors as necessary.
Stay updated on accounting standards and financial analysis best practices.
Engage in departmental projects and complete related tasks as assigned.
Serve as a point of contact for business members, addressing questions or concerns during credit evaluations.
Compile and maintain economic data relevant to national, regional, and industry‑specific trends.
Assess property appraisals and related documentation.
Accompany loan officers on client calls to gather information for analyses.
Conduct credit inquiries and update information regarding commercial borrowers.
Maintain organized and accessible Business Lending Credit files.
Provide support to loan officers and assist with member service needs as required.
Other duties as assigned.
Qualifications Education:
A degree in finance, accounting, business administration, or a related field preferred; MBA or equivalent work experience preferred. Extensive related experience and certifications can be credited in lieu of education.
Experience:
Minimum of ten years of commercial lending experience as a financial analyst with commercial credit underwriting, with in‑depth knowledge of financial regulations pertaining to commercial credit transactions. Experience analyzing financial statements and credit reports; proficiency in preparing financial projections and conducting thorough risk assessments.
Knowledge, Skills, And Abilities:
Extensive experience in reviewing and understanding financial statements. Self‑motivated, detail‑oriented, with strong organizational skills, decisive, and a “get it done” mentality. Proficient computer literacy in Microsoft Suite, especially Word and Excel. High level of interpersonal skills, excellent communication, sales, relationship management and public relations skills. Experience advising loan applicants and assessing loan applications. Must maintain confidentiality and comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Physical Demands:
The employee is regularly required to stand, walk, use hands to handle objects, talk or hear, reach with hands and arms, type, sit, stoop, kneel, or crouch, and lift up to 25 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Compensation:
$74,000.00 to $125,800 annually. Offers are based on experience and education.
Benefits:
Medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.
APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or Protected Veteran status. Please use the attached link to view the EEO law poster http://www1.eeoc.gov/employers/poster.cfm
APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities. If you need a reasonable accommodation for any part of the employment process, please contact the Human Resources Department with the nature of your request and contact information. Reasonable accommodations are considered on a case‑by‑case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e‑mail address.
E‑Verify Participation Poster English and Spanish. APGFCU participates in E‑Verify and will provide the federal government with your Form I‑9 information to confirm that you are authorized to work in the U.S. (English version). APGFCU participa en E‑Verify y proporcionará al gobierno federal la información de su Formulario I‑9 para confirmar que usted está autorizado para trabajar en los EE. UU. (Español)
For more information, visit: E-Verify Overview | E-Verify. Para obtener más información, visite: Visión General de E-Verify | E-Verify
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