The is responsible for analyzing commercial loan requests and supporting the growth and maintenance of the commercial loan portfolio.
Duties:
Takes commercial loan applications by phone and in person
Reviews credit data to evaluate commercial loan requests to approve or deny applications
Spreads tax returns and financial statements to calculate credit ratios
Prepares recommendations for loan officers based on analysis
Prepares commitment letters and credit memos
Schedules loan closings and appointments for loan officers
Stays current on applicable regulations as well as alternative financing methods such as SBA lending
Works with members to provide recommendations or alternative options
Requirements
Skills:
Identifies opportunities to offer complimentary products and services
Protects the financial soundness of Corning Credit Union by adhering to the credit union's lending strategy
Excellent judgment and analytical skills and the ability to present creative solutions for our members and the credit union
Strong business acumen and proactively explores new products, services, and processes
Working knowledge of Truth in Lending Laws, Fair Housing Act, NY State Lending Laws and Reg Z
Very flexibility and has the ability to attend external functions to network with clients and potential clients in order to grow the business
Associates Degree required, Bachelor’s Degree preferred
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