Commercial Credit Analyst II

Overview

Hudson Valley Credit Union is currently recruiting for the position of Business Credit Analyst II. Primary Function: perform in-depth business credit analyses, generally on the more complex or time sensitive files, on a timely basis that are consistent with HVCU format, policy and procedures, including making recommendations on approval and determining appropriate risk ratings for all types of business/commercial products, with little guidance from the Business Services leadership team.

Responsibilities

• Perform in-depth business credit analyses, generally on the more complex and time sensitive files that are consistent with HVCU format, policy and procedures, comprehensive and contain thorough and relevant analysis, and are free of typographical, grammatical and mathematical errors that require limited or no editing by the Supervisor, Business Services/Manager, Business Services/AVP, Business Services. To include identifying recurring and non-recurring sources of cash flow, the Borrower’s ability to cover debt service, and the ability of the guarantor to support the Borrower.
• Assign the appropriate risk rating based on identified financial trends, risks, mitigants and policy exceptions. Recommendations are to be supported by financial spreads, investigative data (credit reports; lien & litigation searches, etc.) and where applicable global cash flows, covenant compliance assessments or other such analytical measures.
• Assist with loan structure and mentoring of other credit staff, on an as needed basis.
• Complete business credit analyses within specified deadlines.
• Maintain the Credit Union’s portfolio by performing annual reviews, renewals, extensions and modifications on existing borrowing relationships.
• Respond to inquiries relating to his/her particular area, or to requests from other HVCU personnel, members, etc. within given timeframes and within established policy.
• Achieve goals assigned to the Credit Analyst II as part of the departments’ annual operating plan. To include initiating and implementing process improvements to enhance member experience and increase department efficiencies.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
• Responsible for regular and predictable attendance including punctuality.

Qualifications

• Bachelor’s Degree Accounting, Finance ore a related field of study; business underwriting education training required
• Minimum 5 Years Direct business credit analysis experience experience required

If you are interested in a rewarding career in financial services, HVCU is looking to hire motivated, high-performers to work for a socially-conscious company with an award-winning benefits package.  Consistently named one of the Best Companies to work for in New York, Hudson Valley Credit Union is a community chartered financial institution serving members in 12 counties along the Hudson River from the Lower Hudson River Valley north to the Capital Region.

We offer care for our employee family and are deeply rooted within our local communities.  With our co-workers’ support, valued benefits, continuous training, professional development and growth, we are motivated, high performers who excel and grow here every day. We are passionate about improving our member’s financial well-being and thrive on delivering exceptional member service.  Come join us in our mission to create successful futures for members, employees, and communities, one relationship at a time. 

As an employee, you will be eligible for

• Medical, Dental, and Vision coverage
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO) and paid holidays
• Flexible Spending Account (medical & dependent care)
• Life Insurance
• Short-Term and Long-Term Disability Insurance
• Employee Assistance Program
• Wellness Activity Reimbursements
• Educational Assistance Program
• Professional Development Programs
• Discounted Loan Rates & Fees

Hudson Valley Credit Union is proud to be a CEO Gold Standard Designation award winning tobacco-free workplace.

All candidates are subject to a pre-employment background check including bondability, credit report and past employment references. All checks must be favorable for an applicant to be considered for employment. 

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.