Overview
Hudson Valley Credit Union is currently recruiting for the position of Commercial Credit Analyst II. Primary Function: Perform in-depth commercial credit analyses generally on the more complex or time-sensitive files on a timely basis that are consistent with HVCU format policy and procedures, including making recommendations on approval and determining appropriate risk ratings for all types of commercial products with little guidance from the Commercial Lending leadership team.
Responsibilities
• Perform in-depth commercial credit analyses generally on the more complex and time-sensitive files that are consistent with HVCU format policy and procedures, comprehensive and contain thorough and relevant analysis and are free of typographical, grammatical, and mathematical errors that require limited or no editing by the Supervisor, Commercial Credit AVP, Commercial Lending.
• Identify recurring and non-recurring sources of cash flow, the Borrowers ability to cover debt service, and the ability of the guarantor to support the Borrower.
• Assign the appropriate risk rating based on identified financial trends, risks, mitigants, and policy exceptions.
• Recommendations are to be supported by financial spreads, investigative data, credit reports, lien & litigation searches, etc., and where applicable, global cash flows, covenant compliance assessments, or other such analytical measures.
• Assist with loan structure and mentoring of other credit staff on an as-needed basis.
• Complete commercial credit analyses within specified deadlines.
• Maintain the Credit Unions commercial loan portfolio by performing annual reviews, renewals, extensions, and modifications on existing borrowing relationships.
• Respond to inquiries relating to his/her particular area or to requests from other HVCU personnel, members, etc., within given timeframes and within established policy.
• Achieve goals assigned to the Credit Analyst II as part of the departments annual operating plan, including initiating and implementing process improvements to enhance member experience and increase department efficiencies.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements.
• Participate in all required and recommended training and development, including but not limited to Bank Secrecy Act training, BSA, and demonstrate attained knowledge.
• Participate on Credit Union teams, projects, and strategic initiatives when the opportunity arises.
• Perform additional duties and special projects as assigned.
• Embrace and apply HVCUs guiding principles to all activities and responsibilities, including the Credit Unions Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices.
• Support the Credit Unions initiatives by demonstrating teamwork and professionalism.
• Responsible for regular and predictable attendance, including punctuality.
Qualifications
• Bachelors Degree in Accounting, Finance, or a related field of study, business underwriting education, training required • Minimum 5 Years Direct Commercial Credit Analysis experience required
Why Choose HVCU
Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact. Come be part of a Great Place to Work.
Employee Perks
• Base & Variable Pay Structures • Paid Personal Holiday & Volunteer Time Off • Professional Development & Training • Student Loan Repayment & Tuition Reimbursement Programs • Medical, Dental & Vision Coverage • 401(k) With Employer Match & Non-Elective Employer Contribution • Life Short-term & Long-term Disability Insurances • Discounted Loan Rates & Fees
Hudson Valley Federal Credit Union is an AAEEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.