Financial Analyst assessing credit applications for heavy vehicles at Omni. Analyzing economic - financial information and defining credit limits as per company policies.
About the role
- Vice President, Credit Analyst responsible for assessing creditworthiness of commercial loan applicants at Lafayette Federal Credit Union. Analyzing financial statements and preparing credit memos for loan approval decisions.
Responsibilities
- Evaluate and assess the creditworthiness of commercial loan applicants.
- Analyze financial statements, conducting industry research, communicating with commercial loan applicants, and preparing credit memos that guide loan approval decisions.
- Identify potential risks associated with commercial loan applications and make recommendations to mitigate those risks.
- Prepare detailed credit memos that summarize financial analysis, risk assessment, and recommendations for loan approval or denial.
- Regularly review and monitor the performance of existing loans in the portfolio, identifying early warning signs of potential credit issues.
- Collaborate with loan officers, relationship managers, LFCU Members, and other team members.
Requirements
- Ten years to fifteen years of similar or related experience
- Strong understanding of financial products, credit analysis, and risk management principles.
- Proficiency in Microsoft Office suite for documentation, analysis, and reporting purposes
- Ability to analyze complex financial information and make sound business decisions
- Strong problem solving and analytical skills to assess loan risks and opportunities.
- A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).
Benefits
- Employer paid (99.9%) health insurance premium for single and family coverage (HMO Plan)
- Fully funded deductible (HMO Plan)
- 401k employer matching contribution
- Income protection with life insurance, short and long-term disability
- Paid time off, holiday leave & birthday leave
- Educational assistance
- Commuter benefits program and more !
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