Credit Risk Officer jobs in Waterloo, IA

This is a hybrid position that requires individual to work 2 days a week from one of our locations in North East, or Central IA, or Omaha, NE.

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ESSENTIAL FUNCTIONS

• Interpret and analyze business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request.
• Determine profitability, net worth, and ability for repayment, creating cash flow analysis for all borrowers and guarantors.
• Generate financial ratios to evaluate members' current financial status, trends and comparison to industry averages.
• Assess collateral values and credit risk associated with commercial loan requests. Perform asset verifications and property inspections as needed.
• Provide written presentation of the credit request along with risk rating to the Commercial Loan Officer and or the Commercial Lending Committee.
• Perform analysis for annual credit reviews to identify continued creditworthiness.
• Identify strengths and weaknesses of a business borrower to effectively manage credit exposure.
• Strong understanding of the core systems and all commercial lending software systems.   
• Knowledgeable of NCUA and Iowa Code guidelines for business lending, as well as all credit union policies and procedures.
• Possess a general understanding of appraisals and valuations to assist in collateral analysis.
• Monitor the training needs of Credit Analysts, providing performance feedback as necessary.

KEY ATTRIBUTES

• Oral and written communication skills.
• Member service focus.
• Attention to detail and accuracy.
• Positive attitude that supports a team environment.
• Dependable and punctual; flexible during peak times.
• High level of confidentiality.
• Organizational skills.
• Self-motivated; ability to work without close supervision.
• Problem solving; analysis.

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:

• Occasionally lift and/or move items over 10 pounds.
• Remain sedentary (seated) for extended periods of time.