Financial Analyst Ii Or Iii - Bakersfield (Other Markets)

OUR CORE VALUES

The Credit Union is a values-driven organization. They guide our behavior as they create our desired culture.

• 
  Everyone Counts We promote a diverse and fair workplace to better serve our Members, Team Members and Communities, fostering an environment of transparency, trust, and respect.
• Innovate Boldly We dream big, challenge the status quo, move with agility, and embrace data-driven decisions. We listen and continuously make the impossible possible.
• Embrace the Fun! We take the joy in our work by welcoming kindness, integrity, and authenticity.
• Own It Valley Strong is ours to grow. We hold ourselves accountable to doing our best work every day and are empowered to do what’s right.

POSITION SUMMARY

Valley Strong Credit Union has established a business banking model with Member service as the core foundation. With a broad and ever-growing range of financial products, Valley Strong is positioned for growth.

We are currently looking for an experienced Financial Analyst to join our growing team. The Financial Analyst is responsible for assisting the Business Bankers in underwriting credit, portfolio management, maintenance and customer service. This position is relied upon to independently prepare a thorough analysis of all aspect of business credit, including the preparation of financial spreads and projections in conformance with the Credit Union’s policies and procedures, for new loan requests, renewals and annual reviews.

ESSENTIAL DUTIES AND RESPONSIBILITIES

The successful candidate will be able to:

• Independently interact with prospective and existing clients to collect financial statements, tax returns, and other applicable information to include, but is not limited to account receivables aging’s, account payable aging’s, rent rolls, operating statements, leases, corporate documents, and environmental reports.
• Independently complete financial spreads for personal and business financial statements/tax returns or statement of real estate owned to complete cash flow using the Credit Union’s software tools including financial statement spreading and cash flow/global cash flow analysis, as requested and needed.
• Ability to analyze various financial documents, identify credit weaknesses and transaction risk and recommend risk ratings
• Identify loan purpose, source of repayment, collateral value/priority, and full written analysis if all credit elements within the Credit Presentation.
• Monitor loan performance which may include but is not limited to assessment of payment trends, covenant violations and tax/insurance payments
• Demonstrate critical thinking and analytical skills with a strong preference for providing financial analysis support
• Assist during internal or external audits, as needed
• Complete all requirements of Credit Training Program and demonstrate a thorough understanding of all key concepts
• Become knowledgeable in key concepts including banking, regulatory requirements, lending products, credit, and credit union tools

Performs other duties as assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's degree or 3 to 5 years related finance, banking, credit union lending experience and/or training or equivalent combination of education and experience.
• Ability to accurate solve problems and exceptional proficiency in data management.
• Ability to establish and maintain effective working relationships with Team Members, Supervisors, Executives, and other departments.
• Ability to complete multiple, diverse tasks of differing priorities without close supervision.
• Ability to perform task and achieve results with a high degree of accuracy and precision.
• Excellent written and verbal communication skills, with specific ability to translate complete financial information into an organized and presentable manner.
• Proficient in the use of and application of Microsoft Office (Excel, Word, and PowerPoint)
• Experience with Credit Quest is preferred but not required.

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 occasionally required to stand; walk; sit; and use hands and fingers to enter data and operate office equipment.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those 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. The noise level in the work environment is usually quiet.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

I have read and understand the duties and responsibilities of this position and will perform them to the best of my ability. I understand what is required and expected of me to meet the performance standards of the position. I acknowledge that I am able to perform the functions of the position with or without reasonable accommodation.

Team Member Name Team Member Signature Date

Supervisor’s Name Supervisor’s Signature Date