GreenState Credit Union

The Collateral Associate is responsible for analyzing and monitoring collateral securing loans within the commercial portfolio. This includes managing the appraisal ordering process, communicating with lending teams, and ensuring compliance with regulations and guidelines. | A Bachelor's Degree in Finance, Accounting, Business Administration, or Economics is required, along with a minimum of 2 years of experience in the real estate field. Strong analytical skills, attention to detail, and proficiency in Microsoft Office are essential. | Position Summary POSITION SUMMARY: The Collateral Associate position is responsible for the analysis and monitoring of the collateral securing loans within the commercial portfolio. GREENSTATE CULTURE: At GreenState, we exist to create lasting value for those we serve. We do this by putting immense value into our employees, members and communities. We empower our employees to create endless opportunities, which will then impact the lives of our members and enhance the vitality of our communities. Salary range for this position is $69,280.38 - $80,996.76 with a progressive benefit package. Essential Duties and Responsibilities ESSENTIAL DUTIES AND RESPONSIBILITIES: Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision. Demonstrates a positive member service (internal and external) focus at all times. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. Ensures confidentiality of member information. Supports a diverse and inclusive work environment. Plays a vital role by participating in community service organizations and/or credit union sponsored events, on an annual basis. Adheres to all state, federal and credit union regulations, policies, and guidelines. Manages the appraisal ordering process from initial request/engagement to final receipt of the report. Corresponds with appraisers regarding current appraisal requests. Completes appraisal reviews for 1-4 family and commercial real estate loans. Communicates with the lending and servicing teams when appraisals are received and reviewed. Assists the Commercial Lenders and Underwriters in obtaining and analyzing current collateral information on existing loans for the purpose of conducting periodic reviews to determine the ongoing credit worthiness of the borrower. Keeps well informed as to market conditions as it relates to assessing portfolio risk with proposed and existing credits. Develops a working knowledge of credit administration, policy, and procedures. Maintains credit files in accordance with guidelines, work with Commercial Lenders and Underwriters to ensure that all necessary documentation is in the file. Researches and responds to internal (co-worker) and, occasionally, external (member or authorized third party) requests for collateral information on commercial loans. Provides support and assistance during internal, state, and federal audits and examinations. Act as a resource for all Commercial Services team members in order to facilitate the collateral analysis processes. Performs other duties as assigned. Job Requirements/Expectations Bachelor’s Degree in Finance, Accounting, Business Administration, or Economics is required. Minimum of 2 years experience in real estate field preferred. Experience working in a financial organization is preferred. Ability to coordinate and prioritize assignments and organize work efficiently. Good time management skills required to manage multiple assignments, meet deadlines, and work efficiently in a time sensitive environment. Excellent figure aptitude, with accuracy and attention to detail required. Knowledge of procedures, forms, and regulations as they relate to commercial lending. Ability to deal tactfully and efficiently with members and co-workers on a professional level. Experience working in commercial credit environment is preferred. Proficiency in a wide variety of personal computer software programs, including the Microsoft Office application suite. Ability, availability, and willingness to work additional hours as dictated by the workload. Strong analytical skills with excellent verbal, written and interpersonal communication skills. Ability to work independently and as part of a team. Maturity and discretion to handle confidential information and safeguard members’ funds. Must be bondable. Reporting Relationship This position reports to the Vice President/Commercial Credit Admin. Supervisory Responsibilities This position is not responsible for the supervision of others. Equal Opportunity Employment Statement GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union. #LI #ID

The Financial Analyst will assist in the preparation of the annual budgeting process, perform credit modeling, and monitor budget-to-actual performance. They will also prepare financial reports and provide insights into profitability and operational efficiencies. | Candidates must have a bachelor's degree in finance, accounting, or a related field, along with a minimum of three years of experience in financial planning and analysis. Progress towards CPA or CFA certifications is a plus. | Position Summary POSITION SUMMARY: This position makes a high level of impact on a rapidly growing organization and has proven technical skills in financial planning and analysis, strong accounting background, and the ability to work crossfunctionally in a dynamic and fast paced environment. GREENSTATE CULTURE: At GreenState, we exist to create lasting value for those we serve. We do this by putting immense value into our employees, members and communities. We empower our employees to create endless opportunities, which will then impact the lives of our members and enhance the vitality of our communities. Salary range for this position is $90,593.36 - $105,914.12 with a progressive benefit package. Essential Duties and Responsibilities ESSENTIAL DUTIES AND RESPONSIBILITIES: Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision. Demonstrates a positive member service (internal and external) focus at all times. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. Ensures confidentiality of member information. Supports a diverse and inclusive work environment. Assists in the preparation of the annual budgeting process, including the preparation of detailed financial forecasts and variance analysis. Performs credit modeling to determine CECL reserve, incorporating results and future allowance and provision estimates into forecast/budget. Monitors budget-to-actual performance and identify significant variances. Collaborates with departments to gather input and ensure data accuracy Maintains and improves financial models, tools and databases to support analysis. Prepares financial reports and analyzes key performance metrics to identify trends and variances. Supports monthly, quarterly, and annual financial reporting processes. Serves as financial liaison, providing guidance on metrics and interpretation of financial reports. Provides insights into profitability, cost management and operational efficiencies. Collaborates with Finance and Accounting to deliver financial reports and key metrics to Company Leadership and Board of Directors on a regular basis using Power BI platform. Prepares peer analysis reporting. Conducts special analyses and projects to support strategic initiatives. Job Requirements/Expectations Bachelor’s degree in finance, accounting, economics, or related field. Progress towards CPA, CFA or other relevant certifications a plus. Minimum three years of progressive experience in financial planning and analysis, preferably within the financial services or credit union industry. Hands on experience developing annual operating budgets. Must be able to manage multiple assignments with changing deadlines in a high-pressure environment. Ability to coordinate and prioritize assignments and organize work efficiently for timely completion. Experience with financial modeling, planning, forecasting, and analysis skills; solid foundation in finance and GAAP accounting. Experience with Empyrean Solutions a plus Ability to draw important insights from analysis; understand and communicate the “story behind the numbers”. Strong analytical and problem-solving skills. Proficiency in Microsoft Office, including Excel and Word. Power BI and SQL experience a plus. Ability, availability, and willingness to work flexible hours to accomplish workload. During periods of peak demand, job will require a non-traditional workweek with extra hours including evening and/or weekend duties. Interpersonal skills to diplomatically deal with employees of all levels, and to represent the credit union in a positive way during member contact. Ability to prioritize assignments and organize work efficiently, to handle large volumes of detail. Ability to deal tactfully and efficiently with members and co-workers on a professional level. Must be bondable. Reporting Relationship This position reports to the Finance Manager. Supervisory Responsibilities This position is not responsible for the supervision of others. Equal Opportunity Employment Statement GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union. #LI #ID