• Contact customers for payments both verbally and via email.
• Provide timely follow-up on payment arrangements.
• Building internal and external customer relationships in a professional manner while keeping and improving customer relations.
• Reconcile and resolve billing issues that arise, applying good customer service in a timely manner
• Review and monitor assigned accounts and all applicable collection reports.
• Review and release orders throughout the day
• Review and maintain customer credit limits
• Review and approve Commercial Job Sheets
• Know about Mechanics Lien Laws, including sending notices when applicable.
• Remain in the rollover phone system answering incoming calls

Skills: Customer Payment Follow-Up, Relationship Building, Billing Issue Resolution, Account Monitoring, Order Processing Oversight, Credit Limit Management, Mechanics Lien Law Compliance, Call System Management

• Provides all pertinent lending decision-making information including financial statement analysis, credit reports, account history, collateral valuation, and industry specific information and comparisons by the credit request.
• Completes and prepares loan presentations to Loan Committee and Board of Directors.
• Assists all Loan Officers through the underwriting process, and works closely with the Small Business Lender relative to the development of the Small Business Loan Portfolio.
• Prepares customer documents/correspondence including letters of intent and line renewal letters/documents.
• Performs credit maintenance functions such as assisting in clearing exceptions, collecting and tracking financial statements and maintaining credit files.
• Performs prospective analysis (cash flow, etc.) on existing loans as necessary for annual reviews and by request.
• Performs annual renewals of lines of credit and conducts reviews of commercial relationships based on amounts designated in credit policy, less those customers within the portfolio who fall within the top twenty largest per volume exposure.
• Provides support to loan staff.
• Performs cash flow analysis for residential underwriters, specific to customers that are self-employed.
• Compiles the delinquency report and OREO account reconciliation monthly.
• Prepares reports to be presented to the Officers' Loan Committee and Board of Directors (i.e. new loans; loans in progress; adverse actions, etc.)
• Compiles minutes of the Officers' Loan Committee weekly meetings.

Skills: Financial Statement Analysis, Loan Presentation Preparation, Credit Report Analysis, Underwriting Support, Credit Maintenance Functions, Cash Flow Analysis, Portfolio Management, Loan Committee Reporting

• Completes a full evaluation of business loan applicants including credit bureaus, cash flow analysis, collateral values, and Risk Ratings.
• Prepares written presentation on each new loan and ensures that the loan proposal meets CFCU business policy requirements.
• Reporting to the Head of FI & Corporate Credit Underwriting, the ideal candidates will be responsible for (but is not limited to)
• Evaluating the financial standing of new and existing borrowers
• Preparing accurate, clear, well-organized and complete written summary/analysis (Credit Opinion) with recommendations for approval or decline
• Analyzing cash flow projections, comment on the reasonableness of assumptions in both management’s and the Bank’s sensitivity cases
• Comparing the prospective borrower to its peers and notes industry trends
• Working in partnership with Relationship Managers in order to understand business requirements and structure credit facilities to meet those specifications
• Participating in client diligence meetings
• Ensuring that new transactions and credit renewals meet the Bank’s risk acceptance criteria, credit policies, and procedures and regulatory requirements

Skills: Credit Risk Analysis, Cash Flow Evaluation, Collateral Valuation, Risk Rating Assessment, Credit Proposal Preparation, Financial Statement Review, Industry Trend Analysis, Client Due Diligence

• Conducts annual reviews of lines of credit and business loans, obtains tax returns, current credit reports and new cash flow analysis.
• Reviews loan requests, and assists in recommendations on loan structures and terms to loan officers.
• Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
• Responsible for updating Rates in the system weekly
• Review and analyze various transactions
• Review and analysis of applications, financial statements, balance sheets, business and customer bureaus, security and legal documents, payment performance, etc. 
• Perform annual reviews on programs and individual transactions and routinely monitor loans for compliance with loan agreements, various regulatory screening and risk rating accuracy.
• Prepare credit write-ups and Moody’s spreads when appropriate in accordance with credit policy and procedure. 
• Complete ratio, trend and cash flow analysis to determine if the customer is eligible for financing.
• Understand and follow credit policy and procedure and work with other departments, including Sales, Portfolio, Legal, and Compliance, to improve understanding and compliance.
• Work closely with Sales and Portfolio departments to move requests quickly to decision through documentation and activation stages and with Legal on any non-standard documents or non-standard structures.
• Partner with Sales and Portfolio to negotiate effective transaction terms, conditions, and documentation, working effectively and efficiently to maintain a balance between customer needs and minimizing TCFIF risk.

Skills: Credit Analysis, Loan Structuring, Cash Flow Assessment, Financial Statement Review, Compliance Monitoring, Credit Write-ups, Transaction Review, Risk Negotiation.

• Underwrite credit for customers and prospects.
• Appropriately structure credit transactions.
• Spread financial statements and analyze the risk of the borrower and transaction.
• Provide collateral analysis, including appraisal reviews.
• Prepare written summaries of proposed transactions and make recommendations for credit approval or decline.
• Review loan documents for compliance to loan approval terms.
• Monitor the assigned loan portfolio for overall credit quality via monthly Borrowing Base Usage Reports, Quarterly covenant compliance checks and periodic file updates.
• Meet with customers and prospects either in person or by telephone.
• Provide a high level of service to customers and prospects.
• Monitoring and maintaining recommendations of existing portfolio investments in given industries, providing timely updates to the portfolio manager on financial results and developing credit events

Skills: Credit Underwriting, Transaction Structuring, Financial Statement Analysis, Collateral Appraisal Review, Credit Summary Preparation, Loan Compliance Monitoring, Portfolio Quality Monitoring, Client Relationship Management

• Experience in a leading commercial bank or credit fund, providing credit analysis and financing solutions
• Experience with commercial loan underwriting across a wide variety of borrower sectors
• Experience with term sheets and legal negotiations including key terms and structuring, covenants, and security
• Ability to interpret financial statements and an understanding of key risk drivers specific to SMEs
• High level of proficiency in Microsoft Excel including financial modeling
• Ability to interact confidently with others, both externally with clients and in a collaborative team
• Excellent analytical, numerical, communication, and problem-solving skills
• Come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency
• Entrepreneurial spirit, willing to perform a variety of different roles, and possess a can-do attitude
• An analytical mindset with a practical approach to problem-solving
• A strong team player capable of working together effectively with the whole team

Qualifications: BA in Finance with 3 years of Experience

• Experience in a credit/financial analyst or underwriting role or other directly related experience
• Understanding of all Microsoft Office applications
• Ability to handle multiple priorities and significant workload
• Ability and willingness to produce high-quantity and high-quality work
• Must have cybersecurity awareness to protect the digital environment, the Bank, and customers
• Detailed knowledge of the insurance market with experience in finance and accounting
• Experience performing financial analysis using company financial statements and balance sheets
• Strong communication skills, both written and verbally
• Proven ability to build relationships internally and externally
• A desire to learn and develop in an analytical environment

Qualifications: BS in Accounting with 2 years of Experience

• Experience with completing financial spreads and written credit analysis reports on borrowers and guarantors
• A solid understanding of financial statements and tax returns, including Generally Accepted Accounting Principles
• Proficient with Microsoft Office software
• Experience with Moody’s Risk Analyst, Fidelity Information Services, IBS Insight, Hyland Software OnBase, and Metavante BankerInsight
• Excellent customer service skills with a positive attitude
• Ability to handle and meet deadlines.
• Ability to meet monthly Cash and Aging goals
• Commensurate Work Experience and/or Education in the field
• Good knowledge of the financial planning process.
• Analysis skills evidenced through portfolio performance analysis and specific issue analysis.
• Well organized with strong attention to detail. 
• Proficiency in performing data analysis and reporting utilizing a standard statistical package.
• Collaboration with team members and with cross-functional teams involving numerous colleagues both internal and external.

Qualifications: BA in Economics with 4 years of Experience

• Experience with a collection of past-due accounts
• Experience with analysis of credit information to set and recommend credit lines
• Ability to Identify collection issues
• Heavy customer contact both written and verbal on a daily basis.
• Ability to work closely with Sales and Management to communicate issues and help resolve problems
• Ability to learn processes and systems quickly to keep pace with Corporate environment and changes
• Ability to work with other group members
• Ability to Multitask in fast fast-paced environment
• Ability to understand and interpret Financial Information
• Excellent written and verbal communication skills
• Proficient in Excel and Word and Microsoft Access

Qualifications: BS in Business Administration with 2 years of Experience

• Strong work ethic and the ability to multi-task while maintaining standards.
• Calm and capable of thriving in a busy and fast-paced environment.
• A flexible individual with initiative willing to help grow the business.
• Work with various styles of stakeholders both professionally and socially.
• Solid undergraduate degree or more, preferably in a related field such as Economics or Accounting.
• Experience with CFA accreditation
• Advanced Microsoft Excel and Access skills and the ability to use and create pivot tables.
• Rate credit risks and help construct models to do the same.
• Familiarity with fundamental credit analysis and rating agency methodologies.
• Familiar with financing structures including prepayments of all types including, pre-export finance facilities, leveraged finance, documentary credits, syndicated loan facilities, club loans, export finance and supply chain finance.
• Experience as an analyst within a major financial institution.
• Experience in commodity finance is advantageous

Qualifications: BA in Mathematics with 4 years of Experience