Credit Card Fraud Investigator jobs in Mcallen, TX

Description

PRIMARY OBJECTIVE OF POSITION

The primary objective of this position is commercial business credit underwriting, documentation, monitoring, and detailed evaluation of applicants’ financial histories, projections, and statements. Tasks include analyzing applicant’s business plan(s), financial information, and credit worthiness which directly impacts lending decisions. 

ESSENTIAL JOB FUNCTIONS

• Work alongside Commercial Lenders and interview B1-4 current and prospective members requesting MBL services. Work closely with lenders to coordinate and finalize loan packages for approval decisions.
• Construct the analysis of financial statements, tax returns and other pertinent member business information to determine repayment ability and viability of and status of business.
• Conduct appraisal reviews and analysis to ensure compliance with governing regulation and internal policies.
• Compile and present loan packages for loan approvals and reviews needed to formulate opinions for loan decision(s), while also ensuring that all packages constructed are to the standards set forth by the Credit Union.
• Ensure the protection of the credit union’s interest in matters of adequate documentation and adherence to policies and the various laws and regulations applicable. Files all pertinent documents to ensure the safety of member business financial and personal information.
• Identify and evaluate lending risks, suggesting mitigating strategies and providing well-rounded recommendations. Undertake in-depth evaluations of collateral and compliance with debt service and covenants.
• Review, train, supervise, and guide other coworkers when necessary to help ensure efficiency from the department.
• Will conduct site inspections, evaluations, and any other relevant collateral items necessary to ensure compliance with regulation, approvals, and lien perfection.
• Have a complete knowledge of and ensure compliance with all laws and regulations governing the origination, processing, closing and collecting of commercial business loan accounts.
• All other duties as assigned.

RELATIONSHIPS AND CONTACTS

Supervise Approximately:  None

Reports To:  Vice President of Credit

Qualifications

EDUCATION

• A bachelor’s degree from an accredited university in finance, accounting, or business. Must have taken course work to support financial analysis.

EXPERIENCE

• At least Five years financial institution and/or accounting experience directly tied to commercial lending.
• Must be literate in all Microsoft Office software, with special focus in Excel, Word, and PowerPoint. Must possess excellent written and verbal communication skills.   Must possess the ability to learn the credit union member data system as well as the phone system.  Must possess a valid Texas driver’s license, means of transportation and be able to travel independently. Strong analytical, organizational, and problem-solving skills with the ability to multitask in a deadline-driven environment.
• Must be able to complete mandatory ongoing training(s) and assigned development sessions. Travel for training sessions may be required throughout the duration of the development program.
• Bilingual preferred.

PHYSICAL REQUIREMENTS

Position involves wrist/hand manipulation; frequent viewing of computer monitor; restriction to workstation for extended periods of time. Ability to work extended hours as required.

EQUIPMENT SKILLS

Personal computer with Windows operating system, scanner(s), calculator(s), copy machine, and general office equipment.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.