Small Business Credit Analyst
Suncoast Credit Union
142 reviews
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Tampa, FL 33610
Suncoast Credit Union
142 reviews
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Duties and Responsibilities
• Communicates with and answers questions from members by phone and e-mail regarding small business loans.
• Reviews applications for member business loan requests less than $250,000.00, including commercial real estate, lines of credit, credit cards, letters of credit, and term loans for vehicles and equipment. Assesses completeness of application and obtains any missing data or documents.
• Analyzes credit information to assess member’s general credit worthiness.
• Reviews balance sheets and profit and loss statements. Analyzes appraisals of real estate offered as collateral.
• Completes an assessment of liquidity, quality of management, market position, and overall business climate to estimate future profitability of business.
• For SBA lending, prepares loan information and refers such to external SBA loan processor. Follows up with processor for underwriting decision and presents to Suncoast management for final decisioning.
• Underwrites loans and makes recommendations for loan decisions on non-SBA loans. Completes loan package presentations for review by management. Works with document specialist to ensure all applicable loan documents are prepared for closing.
• Works with Business Services Specialist to cultivate member relationships, as well as business deposits.
• Assists members, service centers, and back-office staff with questions relating to member business loans and deposits. Provides phone support for Business Services department.
• Attends job-specific training classes as requested by manager. Completes annual BSA/AML Compliance Training and understands employee’s role in maintaining an effective BSA/AML compliance program, and completes FACT Act Red Flag training.
Minimum Education, Experience and Skill Requirements
• Bachelor’s degree in Business Administration, Finance, or related field. (A comparable combination of work experience and training may be substituted for education requirements.)
• 5 or more years progressively responsible experience in commercial or business lending with a financial institution underwriting traditional credits.
• Able to prioritize tasks, deal effectively with competing and changing priorities, and meet deadlines. Must be able to systematically gather, read, and analyze data. Accurate, detail-oriented, and organized.
• Excellent knowledge and understanding of Credit Union products, services, policies, and procedures, especially as they pertain to small business lending.
• Excellent knowledge and understanding of regulatory compliance necessary to successfully perform job responsibilities.
• Excellent knowledge and understanding of all Credit Union computer systems and software programs required to perform job duties.
• Excellent verbal and written communication skills and interpersonal skills in order to interact professionally and effectively with members and staff.
• Must be able to work under minimal supervision.
• Must be able to maintain a high level of confidentiality.