Credit Analyst

    • Job Tracking ID: 512954-593915
    • Job Location: Chicago, IL
    • Job Level: Mid Career (2+ years)
    • Level of Education: BA/BS
    • Job Type: Full-Time/Regular
    • Date Updated: October 20, 2017
    • Years of Experience: Up to 2 Years
    • Starting Date: ASAP
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Job Description:

Organizational Overview

National Covenant Properties ('NCP') is a $400,000,000 'church extension fund' making loans to congregations and affiliated entities of The Evangelical Covenant Church. These loans are primarily for church real estate projects. With over 300 loans averaging about $1,000,000 each, NCP is innovative in providing credit to appropriate borrowers. As part of that lending process, NCP is looking to add a new position of Credit Analyst to better coordinate the lending and follow-up process.

Summary

The Credit Analyst will analyze credit data and financial statements of individuals, churches and/or organizations to determine the degree of risk involved in extending credit to the entities applying for loans. This position will prepare reports with credit information for use in decision making during loan request presentations.

Essential Functions

* Gather, spread, review and access financial statements and budgets for loan applicants. For new loans, work to develop analysis of the ability of the borrower to repay a loan. For existing loans, review updated financial information to ascertain continued health of the borrower. * Assisting in the preparation of loan request presentations. * Develop and maintain recordkeeping and management systems to monitor receipt of Financial Statements, Insurance, Uniform Commercial Code filings, and real estate taxes. * Engage in a professional, hospitable, and courteous manner in NCP’s electronic, phone and in-person communication primarily dealing with existing and potential borrowers of NCP. * Formulate, manage and maintain paperwork in paper/electronic files (updated and organized) as well as create additional customer files as needed. Through cultivation of long term relationships, work with customers to provide information needed to document their continued credit worthiness. * Other duties and research projects as assigned, by Senior Account Manager and/or President.

Education and Experience

Required: Bachelor’s degree in business, economics, finance or accounting, equivalent combination of education and experience. Knowledge and experience in the investment real estate and/or loan industry. 2-3 years in support role, including experience in an office environment with heavy telephone customer service emphasis. High

proficiency in computer and internet technology. Expert knowledge and experience with standard accounting Preferred: Personal engagement with the Evangelical Covenant Church

Experience and Skills:

Skills

* Mastery of Office 365 (with a high reliance on Excel) and other analytic tools. Working knowledge of Microsoft and Windows application, databases development and management, and web technologies. * Detail oriented, strong organization, prioritization and time-management skills are evident. * Excels in attention to detail with high level of accuracy in preparation of financial transactions, written documents, reports and correspondence.

* Effectively communicates in written and verbal forms in person and via communication mediums.

* Works well under pressure and is able to accurately accomplish multiple tasks, with conflicting priorities and timelines. Ability to track and report progress on a wide range of tasks, simultaneously.

* Ability to respond to and deal with a range of ad hoc queries/requests.

* Capable of managing stress by accepting criticism, engaging in conflict resolution, dealing calmly and effectively with high stress situations.

* Ability to operate with discretion and confidentiality at all times, especially related to customer information* Maintains flexibility in approach and adjusts actions when appropriate.

* Excellent management and people skills to embrace diversity of schedules, backgrounds, formats, contexts, etc. * Uses critical thinking skills to exercise discretion and independent judgment, applying logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to address challenges. * Self-starter and ability to work independently.

Environment Conditions

Able to work well in professional office setting, occasionally works evenings and weekends. Occasionally, travel domestically, as assigned. Must be versatile and able to work for prolonged segments sitting or standing. Must engage frequently with office tools and equipment, such as: computer, copier, phone, web-conferencing equipment, cell communication, printers, calculators, scanners, etc. Must be able to occasionally lift or move items, less than 35 lbs.