TDECU

Analyst

• Analyze and underwrite commercial loan requests, as well as perform periodic reviews of existing loans.
• Ensure compliance with credit union policies, industry standards, and regulations.
• Analyze commercial loan applications, prepare credit approval packages, assess risk, maintain compliance, and recommend loan approval decisions.
• Communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union and uphold fair lending practices.
• Evaluate the financial implications of commercial credit decisions and portfolio trends while navigating complex loan structures and collaborating with stakeholders to mitigate associated risks.
• Perform thorough underwriting of commercial loan applications by analyzing borrower financial statements, tax returns, rent rolls, operating statements, business plans, guarantor strength, and industry conditions.
• Conduct financial spreading, cash flow analysis, and probability of default considerations using internal credit tools.
• Engage across the full loan lifecycle - origination, underwriting, closing, renewals, modifications, and ongoing monitoring.
• Streamline underwriting workflows by identifying opportunities for process improvements, documentation efficiencies, and standardized practices.
• Assist in preparing risk rating updates, audit responses, and documentation supporting regulatory exams.

Commercial Loan Credit Analyst