Commercial Credit Analyst

Description

YOUR PATH. OUR PURPOSE.

At Horizon Credit Union, this is more than just a job. It's a place where you can grow, make a difference and feel connected to your work and community. We're committed to providing you with the tools and resources to build a fulfilling career with a good work-life balance. Join us to thrive, do your best work and help create positive change in your community.

COMPENSATION $27.63-$44.22/ hourly

*This figure shown represents the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education and skill level.

BENEFITS

Our goal is to ensure we are focused on your life inside and outside of work. To support this we offer:

• Medical, Dental & Vision Insurance for full-time and reduced full-time employees and their families
• Telemedicine for part-time employees
• Paid Group Life and Disability Insurance
• Employee Assistance Program
• Tuition Reimbursement Program
• 401K Retirement Savings
• Employer 401K Retirement Contributions & Matching upon eligibility
• Discretionary Annual Incentive Bonus based on eligibility criteria
• Paid Time Off per Full Calendar Year:
• 10 hours of PTO per month (prorated for reduced full-time and part-time)
• Paid Birthday Holiday
  • 2 Paid Wellness Days
  • Up to 24 hours of Paid Volunteer Time annually
  • 11 Paid Holidays
• And More!

RESPONSIBILITIES OF THE COMMERCIAL CREDIT ANALYST

• Work with Commercial Lending Officer(s) to understand and measure the risks associate with both new and existing member relationships
• Conduct credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis
• Analyze financial statements and make recommendations
• Working knowledge of credit risk, legal ad regulatory requirements
• Working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles
• Maintain integrity of commercial loan files 
• Successfully develop new and existing business relationships
• Ability to make high level decisions
• Sound judgment and ability to interpret complex policies, regulations, analysis and theories affecting the credit union and it's members.

Requirements

EXPERTISE YOU NEED

Education & Experience

Four-year degree (BA, BS) in finance, business, accounting, or a related field or equivalent experience (2 years of credit/financial analysis, lending, underwriting or other directly related experience). Minimum of two years’ experience in business lending, financial services industry preferred.

ABOUT HORIZON CREDIT UNION

Founded in Spokane, Washington in 1947, we built our foundation on community outreach and meaningful connections with our members and neighbors.

 Over the years, we’ve expanded across Washington, northern Idaho, Montana, southern Idaho, and eastern Oregon. Yet, even as we’ve grown, our commitment to our communities and members has never wavered.

Let Horizon Credit Union help you reach your goals. Apply now to start your journey.

*The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required.