Job Description

Job Type: Full-time

Salary Range: $22.20-$33.30

Summary/Objective

Primarily responsible for analyzing basic to complex credit and collateral information, underwriting loan requests and performing tax analysis. Also originates and processes cash flow analysis on companies, individuals, and collateral. Presents findings to the Relationship Managers and assists in market research on industries and potential member-customers.

Responsibilities

Mission and Service - Is an integral part of the Hoosier Hills Credit Union and Compliance team in living out our corporate mission; \xe2\x80\x9cTo be better for our members by making a positive difference in their lives and the communities we serve.\xe2\x80\x9d

• Consistently delivers outstanding service to both internal and external members that is in alignment with the Credit Union\xe2\x80\x99s service promises.

• Maintains the highest level of professionalism when interacting with team members and business partners through friendly, informative, and helpful communications, which are key to understanding and identifying needs, solving problems, and in representing the Credit Union.

• Takes ownership of each request and is highly responsive in finding solutions that meet or exceed expectations.

Member and Business Focus \xe2\x80\x93 Helps create alignment of risk management with revenue generation by ensuring compliance with commercial lending regulations maintaining a keen focus on efficiency and quality control as a way of streamlining the overall compliance check function and accompanying processes.

• Coordinates with business units to obtain data and provide support to ensure compliance with the commercial lending regulations. Provides results of testing, assists with developing controls to address inconsistencies or issues identified, and reviews procedures to ensure business units are accurately collecting and reporting loan data.

• Serves as a trusted resource to fellow team members by possessing strong knowledge of HHCU products, services, and member experience standards, and always acts in the best interest of the member and Credit Union.

• Develops and maintains successful working relationships with internal and external members to influence and provide effective Credit Administration/Compliance processes, advice, clarification on policies, and support.

• Engages in problem resolution from start to finish by clarifying the issue, determining the cause, and following up to ensure there is a resolution.

Acumen and Technical Savvy - Possesses proficiency in Credit Administration systems and processes to ensure compliance with regulations and serves as an independent quality control.

• Utilizes commercial lending software, adds new loans into the system and updates line-of-credit maturity.

• Tracks documents, including assignment of rents, mortgage documents, periodic financial statements, and annual tax returns in lending software.

• Spreads and analyzes financial statements; studies and evaluates the information and prepares written reports/presentations for the lender.

• Using lending software, prepares financial reports as requested.

• Utilizes tax analysis software to minimize the risk of business loans, reviews both corporate and business (S-Corp, C-Corp, Partnership) tax returns.

• Using specific lending software, prepares and analyzes business loans, construction mortgages, and promissory notes.

• Provides backup to the Senior Credit Analyst.

• Prepares and reviews loan-funding memos.

• Checks pledged assets as requested by the lending officer.

• Assists with outgoing communication of the credit/loan review function.

• Assists and provides back-up support to the commercial loan officers.

• Assists commercial loan officers with the structuring of credits based on underwriting results and policy parameters; serves as a resource to commercial loan officers regarding credit/industry analysis.

• Completes annual Bank Secrecy/OFAC and any related training annually as assigned by Training or Compliance Staff. Complies with all applicable BSA/AML laws, rules, regulations, policies and business practices established by Credit Union management.

Teamwork and Collaboration - The consistent focus on team involvement and in personal growth through sharing and implementation of creative ideas that provide membership business value and enhance a positive work environment.

• Maintains supportive communication with supervisor and team members, reports problems, developments, changes, and other important information regarding responsibilities.

• Makes plans happen through awareness, involvement, constant communication, and continual learning.

• Shares opportunities for process improvement and efficiency gains with appropriate managers. Performs on-going self-evaluation and exhibits a can-do attitude.

• Strives to improve self and team to create strategies for future focused positive results that are rooted in increased productivity and efficiency and risk management best practices.

PM19

Knowledge Requirements

• Professional, well-developed interpersonal skills necessary for projecting a positive image as representative for the Credit Union to members, potential members, and Credit Union staff.
• Work requires knowledge of financial reports and tax returns.
• Requires judgment to solve day-to-day problems, but usually within established guidelines.
• Requires 2-year college degree or completion of a specialized course of study at a business or trade school.
• A minimum of 4 years experience in credit/compliance position.
• Knowledge of word processing, Adobe and spreadsheet software and the use of the Internet.
• Intermediate mathematical skills required (concepts and calculations involving decimals, percentages, fractions, etc.).

Work Environment/Physical Demands

• Normal accessibility of HHCU branch and corporate work sites required for the position with occasional overnight travel for training, conference, or industry events
• Normal physical mobility and agility, which includes movement from place to place on the job, and the ability to maneuver body while in place
• Normal dexterity of hands and fingers
• Normal coordination, including eye-hand, hand-foot
• Works in typical administrative setting with climate control and appropriate lighting
• Work requires occasionally lifting and carrying up to 10 pounds, taking frequency into consideration

Other Duties

Perform other duties as assigned. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time or without notice.

PI224576511

Hoosier Hills Credit Union