Access Credit Union

Analyst

• Conducting comprehensive analysis of incoming credit requests from commercial and agricultural members
• Identifying strengths, weaknesses and risks of the requests; recommending appropriate risk mitigation strategies within the Business Credit Application
• Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests to ensure credit quality is maintained
• Completing files submitted from the Business Account Manager I/II team
• Provides support, on an assigned basis, for files submitted by the Business Account Manager III team
• Completes files with requested amounts ranging from $2.5-$5.0 million with minimal support required
• Assess creditworthiness of business and agricultural members
• Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
• Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests; including new requests, refinance requests and annual reviews of large loans or lines of credit
• Present analysis, findings, and recommendations in a clear, concise, and consistent manner within the Business Credit Application ensuring that all relevant information is included and analyzed

Credit Analyst II