Essential Duties and Responsibilities:

The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of duties, responsibilities and skills required of this position. Other duties may be assigned to meet business needs.

• Reviews retail loan application processes to ensure the collection of required data for the tracking and management of the retail loan portfolio performance.
• Monitors loan delinquencies, non-accruals and charge-offs for each loan portfolio and provides reporting on trends and other portfolio changes.
• Analyzes loan portfolio performance via specialized credit analysis software and provides reports and recommendations for portfolio changes to management.
• Manages the CECL process for both retail and commercial loans, ensuring data and other info is accurately utilized within the systems while arriving at loan loss data.
• Ensures lending operations are conducted in accordance with established credit union policies and are legally complaint.
• Builds loan pricing models to support loan profitability while ensuring members receive value for their membership.
• Makes recommendations to underwriting policies to meet overall loan and credit related targets.

Directions Credit Union is an Equal Opportunity Employer AA M/F/Vet/Disability or other characteristic protected under federal, state, or local law.

Experience

• 3 - 5 years: Experience in credit analysis, retail loan underwriting, and loan portfolio management.

Education

• Bachelors or better in Finance or related field

Skills

• Analytical

Behaviors

• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)