Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Job Title: Commercial Loan Officer
Job Type: Full-time
Location: Virginia Beach, Virginia
All of us at Chartway stand united in our strong culture of listening and learning. We treat people with respect, integrity, and kindness, and are committed to continuously developing a diverse and inclusive workplace where team members are empowered to be their authentic selves. All backgrounds, viewpoints, and life experiences are welcome, knowing this commitment strengthens our credit union family and communities.
The Commercial
Loan Officer is responsible for originating a commercial real estate loan with
a member or potential member online, by phone, in person or from a team member
referral. The Commercial Loan Officer sources loans primarily by engaging with
prospective and current borrowers or brokers to originate commercial loans. This
position collects, reviews, evaluates, and originates commercial loan requests
and all supporting documentation. This position is responsible for accurate and
efficient completion of the loan application, using this process as an
opportunity to cross sell other credit union loan and deposit products. This
position effectively communicates with the member and the Business Lending team
to ensure problem resolution and member satisfaction in a timely manner. This
position establishes and preserves professional business relations with loan
referral sources. The Commercial Loan Officer position reports to the Vice President of Business
Services.
Responsible and Accountable for:
Knowledge, Skills, and Abilities:
Education and Experience:
Chartway offers a competitive salary and a comprehensive benefits package. Candidates must have a good credit history for consideration. Salary requirements must be included and resumes must be accompanied by a Chartway Employment Application for consideration.
Chartway Federal Credit Union is an EOE/M/F/Disability/Vet Employer.
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