Credit Analyst - Commercial Lending
Job Description
The successful candidate will perform the following functions:
- Evaluate all financial and credit information for commercial and business lending applications.
- Perform analysis to determine whether commercial members credit requests satisfy policy and procedure guidelines.
- Conduct data gathering, historical analysis, and market research for commercial properties and businesses.
- Serve as the key point of contact for commercial underwriting for lenders in branches.
- Complete quarterly and annual assessments of existing commercial client portfolios to meet regulatory standards.
- Provide and maintains reporting requirements on Credit Union members' credit obligations.
This position requires two to five years of related commercial credit evaluation experience.
Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. It also involves much personal contact with others within the Credit Union for the purpose of collaboration and coaching lessor skilled lenders. The individual who sits in this seat should be capable of attending and leading Zoom meetings, must have excellent verbal and written communication skills, and must be effective at working independently as a member of a team. Our next team member should also be a critical thinker who is capable of analysis and decisioning loan requests.
Maine Savings offers an excellent compensation package as well as the opportunity to thrive in a challenging, fun, and exciting environment. Maine Savings also offers health insurance, dental and vision insurance, 401k with company match, paid holidays, a generous Paid Time Off program, employee referral program, employee discounts, continuing education and student debt relief programs, longevity bonuses and more!
Maine Savings is a growing modern financial institution offering members a full range of financial services. With over 38,000 members and nearly $800,000,000 in assets, Maine Savings is among Maine’s largest credit unions. With 11 branches, nearly 150 employees, and state-of-the-art technology, Maine Savings is committed to providing its members in-person service and modern conveniences. Founded in 1961 by employees of the Bangor and Aroostook Railroad Company, Maine Savings continues to serve its membership as a federally insured not-for-profit credit union.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
