ABOUT:

People helping people. That's what a credit union, and in particular Navigant Credit Union, is all about. Our mission is to improve the financial well-being of the families, businesses, and communities we serve, and have been since our founding in 1915.

Now at more than $3 billion in assets, Navigant Credit Union is among the largest credit unions in Rhode Island, yet still maintain our community-driven values.

Those values-and our belief in putting people first-are just a few of the reasons why Navigant Credit Union has been named "Rhode Island's Best Place to Work" year-after-year by the Providence Business News.

Our Core Values consist of "Leadership, Unity, Caring, and Integrity" are the guiding principles for our organization. They are the qualities and/or traits that we consider a high priority for Navigant Credit Union employees.

Our company prides itself on demonstrating community-based values and investing in our workforce, while exceeding member expectations. We offer tremendous opportunities for professional development, career advancement, and a best-in-class benefits package including a rich medical and dental plan, vision benefits, a robust 401(k) with a generous employer match, tuition reimbursement, competitive salaries, paid volunteer days, and opportunities to give back to the community.

If you believe you'd be a great fit, and are interested in joining our team, check out our open positions and apply today!

ABOUT THE ROLE:

Under general supervision of the Senior Credit Officer, the Credit Analyst is responsible to independently, analyze and assess the creditworthiness of existing or prospective members/borrowers. Prepares annual loan reviews and provides underwriting support to relationship managers. Communicates directly with relationship managers and members/borrowers to request and obtain additional information. Strong interpersonal and customer service skills to help resolve various issues (internal & external).

WHAT YOU WILL DO:

1. Spreading of financial statements and or tax returns as well as preparing financial statement projections as needed.
2. Perform ratio, trend, and cash flow analysis both traditional and UCA.
3. Clearly and concisely present financial analysis performed in a written and verbal manner by establishing facts, identifying key credit issues, and drawing reasonable conclusions.
4. Assist in the protection of ongoing asset quality of the Member Business Loan portfolio by preparing annual/interim loan reviews as well as update and maintain the annual review tickler report.
5. Works directly with relationship managers to prepare Member Business Loan Requests, credit memorandums, line of credit renewals, and loan modifications.
6. Responsible for monitoring and obtaining borrower/guarantor tax returns and or financial statements as well as update and maintain the financial statement tickler report.
7. Perform other credit analyst duties, including special projects, as assigned by VP Sr. Commercial Credit Officer.
8. Perform all job responsibilities in conformance with established Credit Union policies and procedures as well as in accordance with prescribed regulatory compliance guidelines.

QUALIFICATIONS:

Education

BA/BS in Business, Finance, Accounting, Economics or equivalent formal credit training.

Experience/Skills/Knowledge:

1. 5+ years of commercial credit analysis/underwriting experience with C&I and CRE loans. Knowledge of SBA 7a and 504 loans a plus.
2. Proficient in using spreadsheet software such as Abrigo/Sageworks as well as Microsoft Office (Word, Excel, Outlook). Experience with FormWrx and Loan Manager a plus.
3. Excellent analytical and critical thinking skills. Attention to detail a must.
4. Strong time management and multitasking skills in a team-oriented environment while maintaining an ability to delivered finished products within a predetermined time frame.
5. Ability to respond effectively to sensitive inquiries or complaints (internal & external)
6. Must possess a strong service orientation and willingness to assist members.