JOIN OUR TEAM:

At OnPath Federal Credit Union, we share a passion for delivering exceptional service.
Your primary role will involve building relationships with our members, offering personalized solutions and identifying opportunities to help them achieve financial success.
If you thrive in an environment with team members who truly enjoy what they do, then OnPath is the place for you!
Voted five years in a row as one of the Top 40 Places to Work by the Times Picayune, we offer:
Competitive Compensation,
Impressive Benefits Package including Medical, Dental, Life Insurance,
Paid Vacation and Sick Time, and more.

Interested? Become part of the OnPath team that believes exceptional service defines the core of who we are.
SCOPE:
As a dedicated member of the OnPath FCU team always searching for and being open to new ways in which the credit union can be of service to its members. Perform a variety of tasks that promote the economic development of the communities that OnPath serves by providing cost effective financial services for the benefit of our members who are our primary focus. Assist employees in Commercial Lending and all appropriate internal credit union partners. Conduct daily business interactions and maintain constant alignment with OnPath’s mission, culture and core values. Encourage others to act with mission, culture and core values in mind at all times. Demonstrate initiative and sound judgment in the absence of specific direction from management. Ensure value through decision making that supports credit union goals and interests.
PRIMARY FUNCTIONS:
Responsible for performing the credit analysis function including but not limited to receiving financial data on prospective and active borrowing accounts; analyzing data and evaluating short- and long-run prospects of the individual or company; providing thorough documentation of all financial analysis work, including financial spreads, ratios and other related information, recommending appropriate risk ratings, suggesting appropriate covenants, and providing recommendations on lending decisions. Working directly with borrowers and Commercial Lenders to verify information, obtain additional credit information, and to discuss financial statements; ensuring that all credit analysis activities are conducted in accordance with lending policy and procedures. Additionally, maintaining awareness of current industry standards relating to credit analysis, regulatory changes, compliance processes and local economic trends. There is also responsibility for risk based and proactive monitoring and review of existing credits in the commercial portfolio and underwriting vendors involved with construction and development financing.
Provide independent, in-depth analysis of borrower financial reporting, projections and business plans; that clearly identify and mitigate key risks
Provide high quality and responsive service to our members, member prospects, and internal business partners
Assess overall credit worthiness and financial health of member and prospective member borrowers, related borrowers, guarantors, general contractors, builders and other vendors as needed
Perform thorough risk assessment identification & financial analysis of various types of lending proposals
Analyze financial information such as tax returns, debt schedules, balance sheets, income and cash flow statements, and periodic financial reporting of all types
Evaluate and properly value collateral values and calculate accurate LTVs
Analyze historical company performance, the impact of industry and competitive dynamics and macroeconomic events on the current and future creditworthiness of members and prospects
Perform loan level stress testing of financial results, collateral and credit variables on appropriate loan types and risk exposures
Determine appropriate risk ratings for credits at origination and make lending recommendations
Assist Commercial Lenders on member/prospect visits of more complex credits
Actively participate in meetings integral to the decisioning, monitoring and annual review of commercial loans
Identify additional credit union business and consumer product cross-sell opportunities during the underwriting process and share those with the Commercial Lender
Proactively identify risk rating changes due to business performance deterioration or improvement during appropriate financial reviews
Make timely reviews of draw and change order requests for construction and development loans then make appropriate funding recommendations to the Commercial Lender
Stay informed of regulatory, policy and procedural requirements to ensure compliance throughout the underwriting and credit administration processes
Keep well informed as to market economic conditions as it relates to assessing credit risk.
Ensure compliance with internal credit union commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigates
Perform other duties as assigned by management of the credit union

BASIC REQUIREMENTS:
Proficiency with financial spreads and global debt service calculations
Possess a highly detailed oriented personality
Developed analytical and problem-solving skills.
Strong written and verbal communication skills.
Ability to work effectively with individuals and groups across the credit union to manage internal and external member relationships.
Proficiency with personal computers and related software packages such as Word, Excel, Salesforce.com, Visible Equity, LoanLiner and other business machines.
Ability to thrive in an entrepreneurial, team-oriented, and mission driven environment.

PREFERRED REQUIREMENTS:
Bachelor’s Degree in Finance, Business, Accounting or Statistics preferred; 3 or more years of commercial credit analysis experience; or equivalent combination of experience.

OTHER SKILLS:
In-depth knowledge of cash flow lending and global debt service coverage
Strong financial and analytical skills supported by formal commercial credit and cash flow training
Fundamental skills in the use of proprietary or non-proprietary analytical and related software supported by expert level skills in the use of Microsoft Excel
Expert ability to review and analyze all forms of financial reporting
Fundamental knowledge of risk analysis
Effective technical report writing skills
Effective verbal and written communication skills
Ability to take initiative and prioritize tasks; good time-management, organizational, problem-solving and problem-prevention skills
Ability to work independently
Solid knowledge of the local economy
Knowledge and understanding of loan portfolio management
Familiarity with GAAP

DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, view customer information, and talk or hear. The employee is frequently is required to stand and walk. The employee must regularly lift and/or move up to 5 pounds and frequently lift and/or move up to 25 pounds.
OnPath FCU is an EOE/M/F/Disability/Veteran

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