Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email [email protected] and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

Supports the ongoing administration and credit monitoring of lower-complexity commercial real estate and small business lending relationships. Performs standardized financial analysis, prepares financial reviews and servicing recommendations, monitors covenants and supports routine servicing under established procedures and regular guidance. All reviews, modifications, risk-grade changes and other credit actions require manager review and approval. Develops the judgment and technical capability required to progress toward independent portfolio loan analysis and recommendations.

Job Description

To be effective, an individual must be able to perform each job duty successfully.

·    Manages assigned existing-loan review activities, including ticklers, covenant tracking, financial reporting requirements, maturity schedules, and documentation follow-up.

·    Collects and analyzes borrower, guarantor, and collateral information, including financial statements, tax returns, rent rolls, operating statements, debt schedules, and credit reports, as applicable.

·    Prepares clear credit narratives, financial spreads, risk-rating support, and recommendations in accordance with lending policy, procedures, and applicable regulatory or program requirements.

·    Monitors portfolio performance and identifies emerging risks, documentation gaps, covenant exceptions, servicing needs, and opportunities for proactive member outreach.

·    Prepares routine financial reviews, loan modifications and administrative actions using established templates and defined analytical methods for manager review and signature.

·    Monitors watch list and classified loans, delinquency trends, delinquent property taxes, entity-status concerns, defaults, maturing loans, concentration exposure, credit-scoring results and other portfolio risk indicators with guidance.

·    Identifies maturing loans and potential refinance or modification opportunities for follow-up.

·    Provides information to and coordinates with loan participants.

·    Partners with relationship managers, underwriters, loan operations, credit administration, loan participants, and other stakeholders to support timely and accurate portfolio decisions.

·    Maintains complete, accurate, and audit-ready credit files and protects confidential member and credit union information.

·    Performs basic cash-flow, global cash-flow, leverage, liquidity, debt-service coverage, loan-to-value, and collateral analyses; validates calculations and source documentation.

·    Analyzes and recommends routine servicing actions such as financial covenant tracking, document updates, payment history review, and straightforward maturity or renewal preparation.

·    Researches variances and missing information, resolves standard documentation issues, and promptly escalates material concerns or policy exceptions.

·    Communicates with members and internal partners to obtain information, explain routine documentation needs, and provide status updates with guidance as needed.

·    Participates in formal training, file reviews, and coaching to build proficiency in CRE fundamentals, SBA program requirements, credit policy, systems, and portfolio risk identification.

·    Performs other duties as assigned.

Knowledge, Skills, and Abilities

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential job functions.

Experience

Commercial lending experience is not required.  Candidates with a bachelor's degree in finance or accounting may enter this role without prior commercial lending experience and develop commercial credit, SBA loan servicing and portfolio management skills through structured training, regular supervision and progressively more complex assignments.

Experience spreading business or real estate financial statements and exposure to CRE, C&I, or SBA lending preferred.

Education

Bachelor's degree from an accredited institution in business, finance, accounting,  real estate, or a related field preferred.  A bachelor’s degree in finance or accounting may satisfy the entry qualification without prior commercial lending experience.  Equivalent relevant experience in commercial lending, including credit analysis, underwriting, or portfolio management may be considered in lieu of a degree. Education will be verified.

Licenses, Certifications, Registrations

None required. Relevant commercial credit, SBA, or real estate finance training or certification preferred.

Computer/Technology Skills

·    Demonstrated proficiency with Microsoft 365, including Outlook, Word, Excel, and PowerPoint.

·    Experience with loan origination, spreading, core, document-management, portfolio-monitoring, and reporting systems preferred.

Managerial Responsibilities

Has no managerial or supervisory responsibility. Receives coaching and work guidance while developing proficiency at the assigned level.

Language Skills

·    Clearly expresses credit analysis, methodology, conclusions, and recommendations verbally and in writing.

·    Documents outcomes and presents information in a manner appropriate for members, business partners, credit leaders, auditors, and other stakeholders.

Other Skills and Abilities

·    Foundational knowledge of business financial statements, tax returns, personal financial statements, and credit reports.

·    Ability to perform standardized cash-flow and ratio analysis with attention to accuracy and documentation.

·    Ability to organize multiple deadlines, follow established procedures, and escalate issues appropriately.

·    Developing knowledge of CRE collateral concepts and SBA 7(a)/504 eligibility and documentation requirements.

·    Ability to work autonomously and collaboratively in a fast-paced, deadline-driven environment.

·    Demonstrates sound judgment, ownership, confidentiality, and a commitment to ongoing learning.

Physical Abilities / Working Conditions

Physical Demands

Ability to sit, talk, and hear consistently; ability to stand, walk, and use hands to handle or reach occasionally.

Vision Requirements

Close vision (clear vision at 20 inches or less) and distance vision (clear vision at 20 feet or more).

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds occasionally.

Environmental

No unusual environmental factors; typical office environment.

Noise Environment

Moderate noise, consistent with a business office with computers, printers, and light traffic.

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.