TalentAlly
Key Responsibilities
Review and approve annual portfolio analyses for all BSA loan files.
Serve as backup to management to support credit and portfolio analysis supervisory activities.
Assist Credit Analysts and Portfolio Specialists with questions and training needs, including SBA SOP understanding, SBA loan process/procedures, all commercial credit analysis, financial spreading, covenant, and condition management.
Assist Senior Management in making key business decisions that require knowledge in SBA underwriting and compliance.
Analyze credit worthiness, including review of tax returns, financial statements, credit reports, business plans, and other relevant information.
Prepare draft credit recommendation, risk rating recommendation, spreadsheets, and other approval documents.
Structure credit memos to best meet the Credit Union's risk and profitability requirements while maintaining a competitive position in the marketplace.
Determine SBA eligibility and ensure compliance with SBA policy.
Present loans to the Business Loan Committee for approval, when applicable.
Underwrite and generate complete credit memos for all loan products.
Maintain contact with other credit administration team members through the loan closing process as needed, to ensure all conditions and loan requirements are satisfied, including regulatory compliance.
Perform periodic review of loans; maintain contact with Members and RCU team members as required.
Maintain a complete understanding of RCU credit policy and SBA eligibility requirements under the SBA 7(a) and 504 guaranteed loan programs, with ability to assist others with related questions and research independently for unknowns.
Thoroughly analyze and make recommendations for complex SBA and commercial real estate credits.
Ensure compliance with pertinent government rules and regulations.
Manage file through underwriting and approval process, working with loan officer, credit staff, Members, and outside service providers throughout process.
Member Service
Provide exceptional service to all Members, volunteers, internal team members and service providers.
Respond to credit inquiries.
Call Members to request financial information or documentation, as required.
Answer Member questions as they relate to Business Service deposits and loans.
About Redwood Credit Union At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well‑being of our Members through better rates, low or no fees, and best‑in‑class customer service. Our purpose is to inspire hope and elevate the financial well‑being of our communities one person at a time, through good times and bad. As a not‑for‑profit financial institution, we are committed to a people‑first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well‑being for all.
Why work for Redwood Credit Union?
29th largest credit union in the U.S. and the largest financial institution based in the North Bay
Awarded a 5‑Star Rating based on 6/30/24 financial data by Bauer Financial
Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
Recognized by Newsweek as one of "America's Best Credit Unions 2024"
Recognized by Forbes as one of "America's Best Small Employers 2023"
Voted Best Places to Work in the North Bay 20 years in a row
World‑class Employee Engagement scores
Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
Industry leading Net Promoter Scores across the U.S.
Minimum Qualification
Current knowledge of all laws, rules and regulations pertaining to business/SBA lending and compliance.
Highly developed analytical skills for making sound credit decisions.
Excellent written and verbal communication skills.
Flexibility to manage time with ability to prioritize multiple tasks.
Ability to work effectively under deadlines and stress.
Ability to thoroughly analyze and make recommendations on an independent basis and demonstrate solid decision‑making abilities.
Thorough knowledge of all aspects of financial institution business services including lending methods, practices, and services.
Knowledge of credit and interest rate economics.
Knowledge of asset, liabilities, credit dynamics in a business services lending environment.
Skill in the operation of a personal computer with word processing, spreadsheet and presentation software and Intra/Internet access.
Ability to analyze problems and opportunities, identify and evaluate alternatives, and develop sound, effective approaches.
Ability to communicate effectively both verbally and in writing.
Ability to work independently with minimal supervision.
Compensation Base starting range: $50.00 to $66.00 hourly commensurate with experience.
Benefits
Competitive medical, dental, and vision insurance, mental health offerings
Employee performance incentive plan
Salary Advancement‑ Merit increase based on performance
401(k) program with employer match
Time Off‑ Competitive PTO accrual plus 11 paid company holidays and your birthday off!
Physical Requirements
Ability to stand, bend, stoop, sit, walk, twist, and turn.
Ability to lift up to 15 pounds.
Ability to use a computer keyboard and calculator.
Work environment is indoors; majority of the time is spent sitting at a desk.
Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.
We are an Equal Opportunity Employer
#J-18808-Ljbffr
Review and approve annual portfolio analyses for all BSA loan files.
Serve as backup to management to support credit and portfolio analysis supervisory activities.
Assist Credit Analysts and Portfolio Specialists with questions and training needs, including SBA SOP understanding, SBA loan process/procedures, all commercial credit analysis, financial spreading, covenant, and condition management.
Assist Senior Management in making key business decisions that require knowledge in SBA underwriting and compliance.
Analyze credit worthiness, including review of tax returns, financial statements, credit reports, business plans, and other relevant information.
Prepare draft credit recommendation, risk rating recommendation, spreadsheets, and other approval documents.
Structure credit memos to best meet the Credit Union's risk and profitability requirements while maintaining a competitive position in the marketplace.
Determine SBA eligibility and ensure compliance with SBA policy.
Present loans to the Business Loan Committee for approval, when applicable.
Underwrite and generate complete credit memos for all loan products.
Maintain contact with other credit administration team members through the loan closing process as needed, to ensure all conditions and loan requirements are satisfied, including regulatory compliance.
Perform periodic review of loans; maintain contact with Members and RCU team members as required.
Maintain a complete understanding of RCU credit policy and SBA eligibility requirements under the SBA 7(a) and 504 guaranteed loan programs, with ability to assist others with related questions and research independently for unknowns.
Thoroughly analyze and make recommendations for complex SBA and commercial real estate credits.
Ensure compliance with pertinent government rules and regulations.
Manage file through underwriting and approval process, working with loan officer, credit staff, Members, and outside service providers throughout process.
Member Service
Provide exceptional service to all Members, volunteers, internal team members and service providers.
Respond to credit inquiries.
Call Members to request financial information or documentation, as required.
Answer Member questions as they relate to Business Service deposits and loans.
About Redwood Credit Union At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well‑being of our Members through better rates, low or no fees, and best‑in‑class customer service. Our purpose is to inspire hope and elevate the financial well‑being of our communities one person at a time, through good times and bad. As a not‑for‑profit financial institution, we are committed to a people‑first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well‑being for all.
Why work for Redwood Credit Union?
29th largest credit union in the U.S. and the largest financial institution based in the North Bay
Awarded a 5‑Star Rating based on 6/30/24 financial data by Bauer Financial
Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
Recognized by Newsweek as one of "America's Best Credit Unions 2024"
Recognized by Forbes as one of "America's Best Small Employers 2023"
Voted Best Places to Work in the North Bay 20 years in a row
World‑class Employee Engagement scores
Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
Industry leading Net Promoter Scores across the U.S.
Minimum Qualification
Current knowledge of all laws, rules and regulations pertaining to business/SBA lending and compliance.
Highly developed analytical skills for making sound credit decisions.
Excellent written and verbal communication skills.
Flexibility to manage time with ability to prioritize multiple tasks.
Ability to work effectively under deadlines and stress.
Ability to thoroughly analyze and make recommendations on an independent basis and demonstrate solid decision‑making abilities.
Thorough knowledge of all aspects of financial institution business services including lending methods, practices, and services.
Knowledge of credit and interest rate economics.
Knowledge of asset, liabilities, credit dynamics in a business services lending environment.
Skill in the operation of a personal computer with word processing, spreadsheet and presentation software and Intra/Internet access.
Ability to analyze problems and opportunities, identify and evaluate alternatives, and develop sound, effective approaches.
Ability to communicate effectively both verbally and in writing.
Ability to work independently with minimal supervision.
Compensation Base starting range: $50.00 to $66.00 hourly commensurate with experience.
Benefits
Competitive medical, dental, and vision insurance, mental health offerings
Employee performance incentive plan
Salary Advancement‑ Merit increase based on performance
401(k) program with employer match
Time Off‑ Competitive PTO accrual plus 11 paid company holidays and your birthday off!
Physical Requirements
Ability to stand, bend, stoop, sit, walk, twist, and turn.
Ability to lift up to 15 pounds.
Ability to use a computer keyboard and calculator.
Work environment is indoors; majority of the time is spent sitting at a desk.
Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.
We are an Equal Opportunity Employer
#J-18808-Ljbffr