Works with the Commercial Credit Manager to help assess the credit worthiness of customers and loan risk. Responsible for the loan underwriting and creation of credit approval packages, annual reviews, and making recommendations regarding loan approval.

Duties/Responsibilities:

• Prepare written credit memorandums to be provided to senior management and loan committee on all new loans, renewals, extensions, and modifications relative to financial strengths and weaknesses of borrowers, risk assessments, strength of guarantors, industry analysis and collateral and loan structures with opinions as to credit worthiness.
• Review documentation provided by the Commercial Lenders for accuracy and completion.
• Performing the credit analysis of new and existing loans to evaluating the credit worthiness of individuals and businesses and the short and loan term prospects of loan repayment and the overall credit risk of the loan
• Works with Lenders to create loan approval packages, renewals, modifications, and extensions.
• Ordering appropriate reports, providing industry and other research information as necessary, etc.
• Manages Department workflows when the Commercial Credit Manager is not available.
• Make joint business calls with Commercial Lenders or Management when necessary.
• Completes additional Commercial Loan tasks, as necessary.
• Must maintain a thorough knowledge of the Credit Union’s lending programs, policies, and procedures.
• Must maintain strict adherence to regulatory requirements, ensure conformity with all federal and state compliance policies.

The Atlantic strives to maintain balance between our employees’ personal and professional responsibilities. All full-time employees receive a highly competitive and comprehensive total compensation package including competitive pay, target incentive, medical / dental / prescription coverage, 401(k) plan (with up to 6% match), and generous paid time off. As an The Atlantic employee you are eligible for discounts on our products and services and earn paid time off for volunteering. In addition to these benefits, The Atlantic provides educational and developmental opportunities as well as access to our formal Tuition Assistance Program.

• Bachelor degree in Accounting, Finance, or related field of study
• Specialized bank lending education/training
• Full understanding of regulatory laws, rules, interpretations, and guidance
• Excellent presentation skills (written & verbal).
• Ability to interpret policies and procedures, analyze complex problems and adopt an effective course of action.