DFCU Financial Jobs | Credit Analyst Employment Opportunity at DFCU Financial Careers Portal

The Opportunity: DFCU Financial is looking for a Credit Analyst to join the team! In this role, qualified candidates will be responsible to perform all duties related to underwriting a loan request, whether it is a new loan or a periodic review. Underwriting entails understanding of business financial statements, including balance sheet, income statement and statement of cash flows. A working knowledge of commercial loan types, collateral, structures, and practices is needed as well. Assist the branch with collection of financial information for new loans and annual requirements. Underwrite loan applications to render decisions and communicate required information to appropriate individuals. Serve as a resource for members and branch personnel on underwriting and compliance questions.

What You’ll Do:

• Utilize loan origination system to underwrite credits in a timely manner.
• Spread and analyze financial statements; analysis to include, but not limited to, global cash flow analysis, trend analysis, collateral valuation, and guarantor analysis.
• Perform periodic portfolio reviews and annual risk rating updates.
• Prepare loan committee presentations.
• Meet expected service levels related to recommended loan decision and due diligence requirements.
• Collect application and due diligence information from the branches.
• Communicate with branch colleagues throughout loan origination process and periodic reviews.
• Respond to business lending phone inquiries from internal departments.
• Contribute to the achievement of the Corporate Banking team goals as it relates to revenue growth, portfolio growth, asset quality and compliance.
• Maintain knowledge of DFCU policies and procedures.
• Maintain knowledge of Business Compliance Regulations.
• Maintain loan files in OnBase.
• Assist management as required.

What You’ll Need:

• Four-year degree, accounting or finance preferred, or equivalent related experience.
• Completion of three college-level accounting or finance courses.
• Two years commercial lending or credit experience preferred.
• Demonstrated ability for high attention to detail.
• Computer literate.
• Demonstrated financial institution product and service knowledge.
• Consistent positive, cooperative, self -motivated, courteous, and professional attitude.
• Ability to verbally communicate appropriately with others, and appropriately respond to a supervisor.
• Demonstrated interpersonal skills, including effective verbal and written communication.

What We Offer:

• 401k plan match, dollar for dollar up to 4%
• 401k additional employer contribution after one year at 5%
• Medical, dental and vision insurance
• Health savings account (HSA)
• Flexible spending accounts for medical and dependent care expenses
• 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
• Free financial planning assistance
• Numerous fun employee events throughout the year
• Volunteer and community engagement opportunities
• Discounts with local and national companies through DFCU Perks
• New employee breakfast with the President
• Service / anniversary awards
• New employee discounts for company logo wear
• Recognition and awards for outstanding team and individual performance (branch and member service center employees)
• Gain share / bonus program
• Employee referral payouts for recruiting your friends and family
• Paid lunch time
• Cash incentives for obtaining performance goals
• Tuition reimbursement / Education assistance
• Ongoing training opportunities
• Leadership development program
• Paid time off
• Paid holidays (~10 per year)
• Flexible scheduling for students