Join the DFCU Financial team today, and discover the benefits, rewards and development opportunities from one of the largest and best managed credit unions in the country.
Do you have experience analyzing financial information, assessing credit risk, and making sound lending recommendations?
As a Credit Analyst, you will evaluate loan requests and financial information to support informed lending decisions while helping maintain portfolio quality and regulatory compliance. This role is responsible for analyzing creditworthiness, underwriting loan applications, conducting periodic credit reviews, and serving as a resource for lending teams on underwriting and compliance-related matters.
Strong financial analysis skills, attention to detail, and prior experience evaluating credit requests and borrower creditworthiness are essential for success in this role.
The Opportunity: We are seeking a Credit Analyst to join our team. Must live in either Florida or Michigan.
What You'll Do:
Conduct thorough analysis of financial statements and credit requests, including new applications, renewals, refinancing, and annual reviews of existing credits.
Evaluate risk level associated with lending to potential borrowers by analyzing their financial history, payment habits, and overall creditworthiness.
Provide recommendations based on analysis, highlighting the borrower's ability to repay and any potential risks.
Prepare detailed credit reports and present findings to management.
Maintain knowledge and ensure all credit transactions comply with federal and state regulations, as well as DFCU policies and procedures.
Collaborate with lenders, customers, and other departments to gather necessary information, relay findings and answer inquiries.
Meet expected service levels related to recommended loan decision and due diligence requirements.
Contribute to the achievement of team goals as it relates to revenue growth, portfolio growth, asset quality and compliance.
Maintain loan files in OnBase.
Provide exceptional customer service.
What You'll Need:
Bachelor's degree in accounting or finance preferred, or equivalent related experience.
Two to fiveyears of credit experience in credit analysis or a related field. SBA underwriting experience is a plus.
Proficiency in financial analysis software.
Ability to understand financial statements, ratios, and credit risk concepts.
Demonstrated financial institution product and service knowledge.
Ability to manage multiple and changing deadlines with limited supervision.
Proficient in Microsoft 365.
Demonstrated analytical and problem-solving skills.
Able to initiate and embrace change.
Excellent interpersonal skills, including written and verbal communication, and ability to work in a team environment.
What We Offer:
Potential for a hybrid work schedule
401k plan match, dollar for dollar up to 4%
401k additional employer contribution after one year at 5%
Employee bonus program
Medical, dental and vision insurance effective date of hire
Health savings account (HSA)
Flexible spending accounts for medical and dependent care expenses
Adoption assistance for qualified expenses maximum $10,000 per child
Wellness initiatives and reimbursements
Pre-paid legal services plan
Identity protection plan
Accident supplemental plan
Short & long term disability plans paid for by company
Company provided basic life insurance of $50,000 plus supplemental for employee, spouse and child
Pet Insurance
Free financial planning assistance
Numerous fun employee events throughout the year
Volunteer and community engagement opportunities
Employee loan discounts (closed-end loans)
Service / anniversary awards
Employee discounts for company logo wear
Employee referral payouts for recruiting your friends and family
Paid lunch time
Tuition reimbursement / Education assistance
Ongoing training opportunities
Leadership development program
Paid time off
Paid holidays (13 per year)
Flexible scheduling for students
Equal Opportunity Employer / Disabled / Veterans
