Credit Clerk, Sr. jobs in Wilmington, DE

Job: Credit Analyst

Pay: $31.07/hr

Location: Dover, DE

Schedule: M-F Business Hours

Full Time, Temporary

Great Benefits Including: Medical, Dental, Vision & More…

Credit Analyst Job Description:

PrideStaff is searching for Credit Analysts to analyze information and credit reports to evaluate the degree of risks of business loans and prepare recommendations for the AVP of Commercial Loan Department, Chief Executive Officer, Senior Credit Analyst and Loan Committee. A key component of the Credit Analyst is to identify the financial needs of the member and recommend an appropriate credit union solution. In addition, assist with the daily operations for the Commercial Loan Department. The Credit Analyst demonstrates excellent time management, Communication, and knowledge of credit, lines of credit, and financials. The Credit Analyst is a Full Time, Temporary position with an outstanding team in Dover, DE.

Credit Analyst Job Responsibilities:

• Review Loan Packages to Insure All Financial Information Has Been Obtained With Appropriate Signatures & Analyze Credit Information to Make a General Assessment of Members Creditworthiness
• Conduct In-Depth Review of Balance Sheet & Profit & Loss Statements Presented by Applicants For Commercial Loans or Lines of Credit & Evaluate
• Assess Liquidity, Quality of Management, Market Position, & Overall Business Climate to Estimate Future Profitability of Business
• Complete Industry Research
• Analyze & Review Appraisal of Real Estate Used as Loan Collateral
• Complete Risk rating Analysis to Determine Appropriate Risk Ratings on Credit Requests, Existing Credits & Annual Reviews
• Compile & Structure Loan package For Presentation & Prepare Report-Summarizing Findings
• Monitor Payment Practices to Protect Credit Union From Bad Debt Losses
• Spread Financial Statements
• Complete Financial Statements & Tax Returns to Include Annual Reviews
• Assist AVP of The Commercial Loan Department Including Chief Executive Officer, Senior Credit Analyst in Preparing Credit Proposal Summaries
• Work With Accountants to Obtain & or Review Financial Information
• Monitor Portfolio to Insure All Financials, Aging Reports & Other Required Documents Are up to Date
• Monitor Portfolio to Include Tracking For Annual Financial Reviews
• Assist in Preparing Closing Loan Documents
• Create Opportunities For Expanding Existing Business Member Relationship by Cross Selling Product & Determining Additional Products & Services For Both The Member’s Business & Personal Needs
• Participate in Community Events
• Serve as a Notary

Credit Analyst Job Requirements:

• HS Diploma or Equivalent Required
• BA/BS Required
• 5 Years of Related Experience & or Training in Services at a Bank, Credit Union, & or Other Financial Institutions With Industry Training or Continuing Education on the Business Market Desirable
• Must Possess a Valid State Driver’s License & Valid Insurance For Travel to Other Offices, Business Meetings & Out of State as Needed
• Professional, Well Developed Interpersonal Skills Essential to Maintain Courteousness, Tactfulness, & Diplomacy With The Board of Directors, Members, Management, a Diverse Group of Callers, Visitors, & Vendors
• Ability to Read & Understand Financial Statements
• Effective Oral, Written, & Interpersonal Communication Skills With the Ability to Apply Common Sense to Carry Out Instructions, Interpret Documents, Understand Procedures, Write Reports & Correspondence, & Speak Clearly to Members & Employees
• Excellent Organizational Ability, Versatility, Time Management, With Ability to Work With Minimal Supervision
• Proficient in Math & Calculations Related to Lending (Calculations & Concepts Involving Decimals, Percentages, Fractions, Etc..)
• Work Requires Proficient Computer Skills (MS Word, Excel, PowerPoint, MS Outlook) & The Ability to Learn New Software Applications
• Must be Able to Operate Office Equipment (Testing Prior to Interview)
• The Ability to Have Considerable Discretion & Judgment When Working With Confidential & Sensitive Information
• NMLS Required, or Ability to Get Within 6 Months of Hire

PrideStaff Hiring Requirements:

• Must be 18 Years Old
• Must be Willing to Submit to a Pre-Employment Background Check
• Must be Willing to Submit to a Drug Screen
• Must be Able to Provide Proof of Eligibility to Work in The U.S.

Jumpstart your career with a full-time job, with a great company, competitive wages, and let PrideStaff support you in your future employment endeavors. Your future starts with PrideStaff!

Job Type: Full-time

Pay: $31.07 per hour

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift

Education:

• Bachelor's (Required)

Experience:

• Credit analysis: 2 years (Required)

Ability to Relocate:

• Dover, DE: Relocate before starting work (Required)

Work Location: In person