U.S. Eagle Federal Credit Union is a local not-for-profit, very for-people place. We are an organization that quietly does the right thing in a world that can't stop talking about doing just that. At U.S. Eagle, you can make a big impact and help create a world where people matter more than profit. The Senior Credit Analyst ' Special Assets is responsible for analyzing, monitoring, and reporting on higher-risk commercial credit relationships within the credit union's special assets portfolio. This role supports portfolio stabilization, loss mitigation, workout strategies, restructures, and collection-related decision-making by providing timely, accurate, and well-supported credit analysis. The Senior Credit Analyst partners with the Special Assets Officers, lending teams, risk management, legal counsel, and senior leadership to assess borrower performance, collateral position, repayment capacity, and overall credit risk while maintaining compliance with applicable credit union policies, regulatory requirements, and sound risk management practices.
Essential Functions & Responsibilities:
Partner with Special Assets Officers and lending teams to obtain updated financial information, verify borrower performance, and support member communication strategies.
Perform in-depth financial analysis, financial statement and tax return spreading, cash flow analysis, global debt service analysis, and repayment capacity assessments for criticized, classified, delinquent, non-performing, restructured, or otherwise higher-risk commercial loan relationships.
Review and evaluate loan structures, collateral positions, guarantor support, industry conditions, covenant compliance, overall risk trends, and documentation requirements to identify credit weaknesses and potential loss exposure.
Support workout, restructure, forbearance, modification, liquidation, charge-off, recovery, and exit strategy recommendations.
Assist in preparing clear and comprehensive credit memoranda, risk assessments, workout analyses, restructuring recommendations, loan review packages, impairment analyses, and management reports that support credit decisions and risk-rating recommendations.
Serve as a subject matter resource for credit analysis, financial statement interpretation, workout structuring, and risk assessment methodologies across the Special Assets functions.
Assist with allowance, reserve, impairment, and risk rating support by providing objective analysis and documentation.
Contribute to process improvements, reporting enhancements, and portfolio analytics for the Special Assets department.
Perform other duties as assigned.
Experience: Eight to ten years of experience in commercial credit analysis, special assets, loan review, portfolio management, commercial lending, workout management, or related financial services experience, including experience analyzing complex borrower financial statements, cash flow, collateral, and credit structures. Preferably in a credit union, community bank, or regulated financial institution.
Education: A bachelor's degree in finance, accounting, economics, business administration, or a related field, or equivalent combination of education and experience. Formal credit training or completion of a commercial lending, loan review, or risk management program strongly preferred.
Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Strong understanding of commercial credit risk, loan structuring, collateral analysis, cash flow analysis, and risk rating methodology.
Strong understanding of commercial loan documentation, collateral structures, covenant monitoring, guarantor support, and risk-rating methodologies.
Experience analyzing troubled debt, non-performing loans, restructures, workouts, or criticized/classified assets preferred.
Working knowledge of credit union or financial institution regulations, loan policy, documentation standards, and safety and soundness expectations.
Advanced proficiency with Microsoft Excel, financial spreading tools, loan systems, credit reporting platforms, and Microsoft Office applications.
Demonstrated ability to independently analyze complex commercial credit relationships across multiple industries and borrower structures.
Strong understanding of commercial loan documentation, collateral perfection concepts, covenant structures, and guarantor arrangements.
Experience performing detailed cash flow analysis, financial spreading, global debt service assessments, collateral evaluations, and risk-rating recommendations.
Proven ability to communicate complex credit conclusions clearly and concisely through written credit presentations and verbal discussions with management and credit committees.
Strong organizational skills with demonstrated ability to manage multiple assignments while maintaining a high degree of accuracy and attention to detail.
Physical Requirements: The employee is regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms, talk and hear. The employee is occasionally required to stand, walk, climb, or balance, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to ten (10) pounds. Specific vision abilities required by this job include close and far vision, color vision, and ability to focus.
Work Environment: The noise level in the office work environment is typically moderate. May require extended periods of computer use, participation in meetings and review of detailed financial documentation.
This position is required to be onsite in Albuquerque, NM, at our Osuna location.
