Commercial Credit Analyst

Description

At UVA Community Credit Union, we are dedicated to making a meaningful difference in the lives of our members and the communities we serve. Our mission, working together to strengthen the financial wellness of our members and local communities, guides everything we do. We foster an environment where every team member plays a vital role in building the financial wellness of those we serve. Our core values are Integrity, Service Excellence, Collaboration, and Gratitude. These values shape how we support our members, interact with one another, and drive the success of our shared purpose. If you’re passionate about making a positive impact and want to be part of a purpose-driven organization, we invite you to explore a career with us.

SUMMARY:  

The Commercial Credit Analyst is responsible for evaluating the financial strength and creditworthiness of businesses and individuals. In this role, you will analyze credit data and financial statements to assess risk and determine the appropriateness of extending credit. The Analyst conducts thorough, comprehensive examinations of business performance and financial health, resulting in a deep understanding of each borrower’s capacity to responsibly use and repay credit. This includes full-spectrum underwriting—reviewing balance sheets, income statements, cash flow, debt service, collateral, industry conditions, and other key risk factors. The Analyst will deliver accurate, fact-based written analyses that clearly identify risks and mitigating factors associated with proposed transactions. This position provides recommendations to credit approvers to support sound decision-making and partners with Relationship Managers to help structure and negotiate loan terms. Additionally, the Analyst supports portfolio and relationship management by documenting appropriate credit risk ratings and contributing to the ongoing monitoring of credit quality.

Because collaboration and strong member relations are critical to our work, candidates who can work primarily from our headquarters and join Relationship Managers for in-person meetings with Members are strongly preferred. 

RESPONSIBILITIES:

• Act as a key coordinator of internal workflows supporting treasury management products, managing timely response and completion of risk due diligence. Cross team communication is a vital element to this work. 
• Act as secondary support to the Elevate Small Business lending program by answering branch team questions and being a knowledge resource to Small Business Champions in their duties.
• Deliver an accurate comprehensive fact-based summary in written form, identifying all risks and mitigants associated with the transactions either proposed or existing to include renewals and annual reviews.
• Support and document the appropriate credit risk rating and assist with the overall relationship and portfolio management.

Requirements

QUALIFICATIONS:  

• 4-6 years of similar or related experience is required
• 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). 
• Possess excellent communication, time management, and prioritization skills.

BENEFITS:

We offer an attractive suite of benefits to employees who work an average of 20 hours per week or more, including: Health, Dental, Vision, up to a 7% employer 401(k) contribution after the first year of employment. Employees are eligible for Life Insurance, Long-Term Disability, Health & Wellness Spending Account, Tuition Reimbursement, and Employee Loan Discounts. Employees accrue Paid Time Off starting with 18 days accrual at full time annually, and 13 company paid holidays. Employees are also eligible for Family Forming Leave, and Volunteer Time Off.

Equal Employment Opportunity has been, and will continue to be, a fundamental principle at the University of Virginia Community Credit Union, where employment is based upon personal capabilities and qualifications without regard to race, color, gender, gender identity, religion, sexual orientation, pregnancy, childbirth, or a medical condition related to pregnancy or childbirth, national origin, citizenship, disability, age, genetic information, marital status, amnesty or status as a covered veteran in accordance with applicable federal, state, and local laws.