Nusenda Credit Union · 11 hours ago
Credit Analyst
El Paso, TX
Full-time
Hybrid
Mid Level
3+ years expNusenda Credit Union is dedicated to excellent member service and being a great place to work. They are currently seeking a Credit Analyst to gather and analyze credit information on current and potential business borrowers, determining the advisability of granting credit for diversified types of commercial loans.
Banking
Responsibilities
Monitor and manage credit risk on assigned portfolios, including reviewing loan files to ensure compliance with financial reporting requirements
Spread and analyze financials using the Buker’s spreading software
Comple annual loan reviews in accordance with policy using underwriting templates and forms
Test and process financial covenants in the commercial loan origination system, and periodically evaluating credit risk and collateral
Complete analysis and underwriting of new loan requests, including screening, spreading, analyzing cash flow and repayment sources, collateral, and guarantors, risk rates loans, and prepare formal credit memoranda
Collaborate with Business Services Officers, external customers, and management to identify, negotiate, and recommend loan structures
Support Business Services Officers in presentations of new loan requests to Management Loan Review Committee
Qualification
Required
Three to five years of similar or related commercial underwriting or financial experience
Bachelor's degree in business administration, accounting, or finance
Experience in conducting in-depth research and analysis
Knowledge of cash flow modeling, commercial real estate leasing, appraisal methodologies, applicable regulations (e.g., FIRREA, BSA, HMDA), and NCUA regulatory guidance
Understand GAAP financial statements (i.e., balance sheets, income statements, statements of cash flow, and statements of owner's equity)
Understand Personal and business income tax returns and have a comprehensive knowledge of diversified commercial loan types, structures, and practices
Significant analytical thinking skills are required to analyze credit data, identify, and mitigate risks, and assimilate financial information into an actionable format with recommendations on courses of action
Benefits
Health and wellness options
Competitive 401(k) matching contributions
Professional development
Tuition assistance
Company
Nusenda Credit Union
A federally chartered credit union headquartered in Albuquerque.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Joe Christian
President/CEO
Adam Heying
Chief Financial Officer
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