Amplify Credit Union Commercial Credit Analyst II in Austin, Texas


Duties include researching and examining credit risks, assessing credit history, and making recommendations for extension of credit based on financial analysis. Assesses ongoing quality of commercial loans, analyzes and reports loan-level credit quality to executive management. Performs portfolio-level risk assessments including stress testing and trend analysis, and reports portfolio risks to executive management.

RESPONSIBILITIES include the following. Other duties may be assigned.

Assists with the development and implementation of processes to underwrite commercial loans for Small Business and Commercial Real Estate clients

Establishes, implements, and documents well-defined credit analysis and production processes

Evaluates quality of commercial credit applications and assigns risk rating indicating borrower's financial strength and probability of loan repayment; presents summary of analysis and reasons for assigning all risk ratings to management

Performs financial analysis from tax returns, financial statements, and pro-forma financial records

Recommends credit structure such as collateral, loan covenants and repayment terms

Evaluates and verifies the value of all collateral to include real estate appraisal reviews and asset valuations

Evaluates available information to determine whether lending officers have acted within established guidelines of lending authority, if loan is in compliance with regulations, and if required documents have been obtained

Develops and implements processes to analyze and re-evaluate annual risk ratings of existing commercial loans and present loan review information to management on an ongoing basis

Monitors commercial loan portfolio for compliance and credit quality

Keeps abreast of market, industry and investment trends that impact the commercial real estate portfolio

Obtains market/submarket data specific to vacancy allowance, collection loss, asking and effective rents, sales and other pertinent information

Develops processes to analyze trends among various NAICS codes to stress test portfolio exposure

THE QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience
College degree in Accounting or Finance highly desired; Three years of direct credit analysis or administration in a financial institution setting preferred; SBA lending experience a plus.

Certificates, Licenses, Registrations Must be bondable by a credit union

Software & Equipment Requirements
To perform this job successfully, an individual should have working knowledge of Microsoft Office Suite – Excel, Word, and Outlook.

Other Qualifications

This job also requires the ability to:

Accurately and efficiently analyze data;

Manage multiple demands simultaneously;

Provide consistent, sound judgment under stressful conditions;

Communicate complex information effectively, both verbally and in writing; and

Work effectively with a variety of people, including peers, managers, and members.

Working knowledge of all Federal, state, and NCUA regulations and guidelines pertaining to deposit and loan operations and detailed knowledge of business credit laws and regulations is also required.

LocationThis position is located in our offices at Parmer Lane and MoPac Expressway (Loop 1). Click here to view the location.

Starting Pay Starting pay for this position is generally $55k-$75k, depending on experience.

Benefits Amplify offers employees many benefits, including: medical/dental/vision insurance, flexible spending accounts for medical and dependent care, company-provided life and disability insurance, 401(k) plan with matching contributions, fully funded pension plan, profit sharing, paid time off, paid time off to volunteer in the community, paid holidays, discounted gym membership, tuition reimbursement, and a friendly, open work environment. To learn more about our benefits, click here or on the Benefits link in our career site.

Team Member Testimonials Click here to read about some of your potential coworkers and why they enjoy working at Amplify.

Requisition ID: ANLBUSCRED.2