Corporate Lending Credit Analyst Jr, Full, or Senior - Colorado Springs, CO

Company Description

Ent Credit Union exists to improve the financial quality of life of the people we serve. This mission drives us every day, but we are more than our mission. We're also individuals using our unique abilities to make our organization, and the communities we serve, better than they were yesterday. We're a not-for-profit that puts people above profits and actively invests in our community. Our rapidly growing team is expanding our reach to serve more people throughout Colorado. To spread our mission far and wide, we need people like you. If you're interested in a paycheck with a purpose, apply with us today. Our people make the difference, and we truly believe you are our greatest asset.

Job Description

The Corporate Lending Credit Analyst Junior role will support the Corporate Banking Officers in providing thorough and accurate financial, company, risk, and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors, monitoring borrower compliance with approved terms, performing portfolio management tasks and analysis, and assisting in the administration of credit relationships. At this level, the incumbent is being introduced to the various methods used to effectively control Ent's potential risk in corporate lending and making recommendations on existing / new applicant decisions.

Essential Functions

• Analysis: Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicant's business plan, financial statements, and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintains a working knowledge of the bank's lending policies, procedures, and philosophies toward various types of loans.
• Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure, management evaluation and the background of the business and industry), provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations, portfolio and borrower stress testing, risk rating reviews, covenant compliance, portfolio analysis, and other duties, as assigned.
• Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.
• Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.

The Corporate Lending Credit Analyst role will support the Corporate Banking Officers in providing thorough and accurate financial, company, risk, and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors, monitoring borrower compliance with approved terms, performing portfolio management tasks and analysis, and assisting in the administration of credit relationships.

Essential Functions

• Analysis: Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicant's business plan, financial statements, and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintain a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans.

• Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure, management evaluation and the background of the business and industry), provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due dilig