ROUTING NUMBER: 324274033

Careers at EFCU

We’re more than a great place to manage your money.  EFCU is also a fantastic place to work, with a wealth of employee benefits, competitive compensation, and much more.

Below are the positions we are currently looking to fill. If you are not interested in those positions, but are interested in working at EFCU, you may submit an application  for future review. Please download our Employment Application here, complete the form (this form is fillable) and email to leadership@elkofcu.org.

Now hiring for:

POSITION TITLE:           Commercial Lending Financial Analyst                  DEPARTMENT:         Lending

 

 

REPORTING RELATIONSHIPS

 

POSITION REPORTS TO:                     SVP/CLO     

 

 

 

POSITION PURPOSE

Answer questions from members on real estate and/or commercial loan applications. Gather and analyze financial information on members for the purpose of determining qualifying status for real estate or commercial loans. Complete Annual Reviews on existing Commercial Real Estate loans. Process, review, and verify a myriad of loan documents for accuracy for real estate and/or commercial lending transactions. 

 

 

ESSENTIAL FUNCTIONS AND BASIC DUTIES

 

 Financial Analyst Duties:

 

1.      Collect tax returns and financial statements; follow-up with members to obtain  required documentation.

 

2.    Calculate cash flows and debt service coverage ratios using Bukers Tax Analysis and Excel spreadsheets.

 

       3.    Determine the net worth of the applicant(s).

 

       4.    Complete Annual Reviews on existing Commercial Real Estate loans.   

 

       5.    Ensure that sound analysis and lending procedures are followed. Act in compliance with Business Lending policy at all times.

 

       6. Review Commercial Real Estate Participation opportunities (mainly from CUBG) and make recommendation to SVP/CLO and CEO.

 

7.    Assist Commercial Loan Officer with preparation of Credit Presentation.

 

8.    Order and check credit report to determine credit worthiness of applicant based on industry standards for collateral/equity value.

 

9.    Maintain all required credit union reports.

 

10.    Request  real-estate appraisal to ensure proper guidelines are followed and final value is properly determined. Forward appraisal to CUBG for review.

 

11.    Request flood certification to determine if property is or is not in a flood zone.

 

12.  Order Environmental Analysis report when necessary.

 

13.  Obtain copy of current  property insurance and flood insurance (if applicable) and make sure mortgage clause is in favor of credit union.

 

14.  Perform other duties, projects and tasks as assigned.

 

QUALIFICATIONS

 

EDUCATION/CERTIFICATION:             Minimum: A high school education or GED. Preferred: Associates or Bachelors Degree in Accounting, Business or Finance.

                                                     

REQUIRED KNOWLEDGE:                      Knowledge of IRS rules governing Corporate structures. Knowledge of IRS Corporate Tax Return Documents.

                                                                        Knowledge of accounting principles and cash flow analysis.

                                                                        Business Credit Union lending services, policies, and procedures.

                                                                        Understanding of real estate and commercial loan products and services. 

                                                                                

EXPERIENCE REQUIRED:                        One year of similar or related experience.

 

SKILLS/ABILITIES:                                     Excellent oral and written communication skills.  Bilingual Spanish helpful but not required.

                                                                        Professional appearance, dress, and attitude.

                                                                        Working knowledge of related computer systems and applications.

                                                                        Solid math skills

                                                Demonstrates carefulness about detail and is thorough in completing work tasks.

                                                                        Performs effectively with frequent workload changes and competing demands.

                                                                        Maintains confidentiality related to Credit Union operations and work-related information.

 

 

TOOLS/EQUIPMENT:                             

                                                                       

Customer Relationship Management CRM Software – [Various programs dependent on industry]

Electronic Mail Software – Email software; e.g. IBM Lotus Notes; Microsoft Outlook

General – General office equipment such as calculators, computers, photocopiers, and scanners. 

Office Software – Microsoft Word; Excel; Bukers Tax Analysis, etc.

Internet Browser Software – Web browser software; Microsoft Internet Explorer; Microsoft Edge; Mozilla Firefox; Google Chrome

Operating Systems Software – Computer operating systems; e.g. Microsoft Windows      

Computer Software – MS Office; Word, Excel, etc.

 

 

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

 

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Finger Dexterity: To individually, or as a group, flex and extend fingers for fine and precise manipulation of small items, or to activate a keyboard mouse.  Handling or touching with the fingers, e.g., turning switches on/off, using a telephone push button or 10-key calculator.

Physical Strength: Sedentary work; sitting most of the time.  Exerts up to 10 lbs. of force occasionally.

Pulling: Using upper body to exert force in order to draw, haul, or tug objects in a sustained motion.

Pushing: Using upper body to press against something with steady force in order to thrust forward, downward or outward.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

 

 

WORKING CONDITIONS

 

None.  No hazardous or significantly unpleasant conditions (such as in a typical office).

 

 

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

 

Establishing Work Relationships – Establishes and maintains cooperative working relationships.

Number Facility – The ability to add, subtract, multiply, or divide quickly and correctly.

Oral Comprehension — Listens to and understands information and ideas presented through spoken words and sentences.

Oral Expression — Communicates information and ideas in speaking so others will understand.

Speed of Closure – Quickly makes sense of, combines, and organizes information into meaningful patterns.

Written Expression — Communicates information and ideas in writing so others will understand.

 

 

INTENT AND FUNCTION OF JOB DESCRIPTIONS

 

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

 

All descriptions have been reviewed to include essential functions and basic duties typically demonstrated by someone in the position. Peripheral tasks, only incidentally related to each position, have generally been excluded. Knowledge, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the functions, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate. 

 

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

 

 

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employment-at-will does not impact the employee’s right to negotiate singly or in a group and participate in concerted activities regarding the terms and conditions of their employment under the NLRA. Employees can be terminated for any reason not prohibited by law.

Application

To be considered for one of these positions, please complete our application for employment.

GENERAL

First Name:*MI: 
Last Name:*
Maiden/Previous Name:
Social Security Number: *
Address:*
City:
State:
ZIP Code:
Previous Address:
If at current address less than 2 years
Previous City:
Previous State:
Previous ZIP Code:
Home Phone:*
Cell Phone:
E-mail Address:
Referred By:
Are you 18 years of age or older?*
Yes   No
Are you fluent in any language(s) other than English:
Yes   No
If Yes, please indicate which language(s) you speak:



JOB SPECIFIC INFORMATION

Position Applying For: *
Branch LocationAny
Location 1
Location 2
Location 3
Location 4
Employment Preference:*Full-Time   Part-Time    Any
Rate of Pay Desired:$ Hour    Week   Month   Year
Date Available to Begin Work:
Are you willing to work overtime if requested to do so: Yes   No
 
Are you an experienced operator of any of the following (Select all that apply):
CalculatorCash Advance MachineCash Drawer
Check Encoder Coin MachineFax Machine
Multi-line SwitchboardPCPrinter
Other (Please explain) 
 
List below any personal characteristics, skills, attitudes, or achievements which you feel would qualify you for this position.
Feel free to list any participation in community/civic activities, special achievements, awards, hobbies, etc.
 
Have you ever been convicted of a felony or misdemeanor, or do you have any charges pending against you: *
Yes   No
If yes, please explain:

A conviction or pending charge will not be an automatic bar to employment and will be considered only as it relates to the job in question.
 
Have you ever paid a civil forfeiture or fine for a non-traffic related offense:*
Yes   No
If yes, please explain:

Payment of a civil forfeiture or fine will not be an automatic bar to employment and will be considered only as it relates to the job in question.



EDUCATION HISTORY

High School

Name/Address:*
Last year completed:*1   2   3   4
Did you graduate:*Yes   No

Business/Trade School

Name/Address:
Major:
Last year completed:1   2   3   4
Did you graduate:Yes   No
Degree:

College

Name/Address:
Major:
Last year completed:1   2   3   4   5   6
Did you graduate:Yes   No
Degree:

Graduate Studies

Name/Address:
Major:
Last year completed:1   2   3   4   5   6
Did you graduate:Yes   No
Degree:

Other

Name/Address:
Major:
Last year completed:1   2   3   4
Did you graduate:Yes   No
Degree:

 

EMPLOYMENT HISTORY

No previous employer

 

Starting with the present or most recent, list all previous employers. Include self-employment, military service, summer and part-time jobs.

Employer 1

Company Name:*
Company Address:*
City: 
State:
ZIP Code:
Position:*
Length of Employment:* to 
Reason for Leaving:*
May we contact this employer:*Yes   No
Name and Title of Supervisor: *
Phone Number:*
E-mail:
Duties: *

Employer 2

Company Name:
Company Address:
City:
State:
ZIP Code:
Position:
Length of Employment: to 
Reason for Leaving:
May we contact this employer:Yes   No
Name and Title of Supervisor:
Phone Number:
E-mail:
Duties

Employer 3

Company Name:
Company Address:
City:
State:
ZIP Code:
Position:
Length of Employment: to 
Reason for Leaving:
May we contact this employer:Yes   No
Name and Title of Supervisor:\
Phone Number:
E-mail:
Duties:

Employer 4

Company Name:
Company Address:
City:
State:
ZIP Code:
Position:
Length of Employment: to 
Reason for Leaving:
May we contact this employer:Yes   No
Name and Title of Supervisor:
Phone Number:
E-mail:
Duties:

 

REFERENCES

List the names of persons not related to you, who know of your work or qualifications.

Reference 1

Name:
Relationship:
Phone:

Reference 2

Name:
Relationship:
Phone:

Reference 3

Name:
Relationship:
Phone:
 

 

EMPLOYEE APPLICATION AUTHORIZATION

I certify that the facts set forth in this application are true, correct and complete without misrepresentations or omissions of any kind whatsoever. I authorize investigation of the statements I have made herein. 

I hereby release from any and all liability all representatives of Elko Federal Credit Union for their acts performed in connection with evaluating my application, background, credentials and qualifications. I hereby further authorize any party (including the companies, schools and organizations listed in this application form) to release any information they may have about me to Elko Federal Credit Union, including all of my personnel records with prior employers. I also release all persons, companies, schools and organizations (and all persons connected with them) who provide such information to Elko Federal Credit Union from any and all liability for any damage for giving this information. I understand that if any of the information on this application form is discovered to be incorrect, false or misleading or if there are any misrepresentations or omissions of any kind whatsoever, then Elko Federal Credit Union may deny me employment or terminate my employment, and I agree that Elko Federal Credit Union shall not be liable in any respect if it does so. 

I also understand that my employment at Elko Federal Credit Union is contingent upon the satisfactory completion of a drug screen and an investigation of my work record and references. I consent to a pre-employment physical examination and such future examinations as may be required by Elko Federal Credit Union, which may include drug screening. 

I understand that if I am employed by Elko Federal Credit Union, any such employment is not binding on either party for any specific period of time. I further understand that no representative of Elko Federal Credit Union, other than the CEO or President, has any authority to enter into any agreement for employment for any specified period of time. Any such agreement must be in writing and signed by such officer. I understand that any other written or oral statement to the contrary, even if made by a supervisor, manager or officer of Elko Federal Credit Union, is invalid and should not be relied on by me. I understand that if employed I will be an employee-at-will and that either Elko Federal Credit Union or I may terminate that employment relationship at any time, for any reason, with or without notice.

 I acknowledge that I have read and understand the Employee Application Authorization

 

  

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