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Career Opportunities

POSITION TITLE: Credit Specialist
DATE REVISED: October 2020 


The Credit Specialist is expected to provide assistance to and become a reliable backup for the Investment Credit Analyst and Liquidity Director. This position requires independent judgement and analytical skills as well as the highest levels of detail-orientation, organization, and time management abilities.

The essential duties and responsibilities of the Credit Specialist will be performed under the direction of the Investment Credit Analyst, Liquidity Director and the Chief Executive Officer.

ESSENTIAL DUTIES AND RESPONSIBILITIES: (including the following and others as assigned)

This position will train in the following areas, both independently and under direction:

Corporate Investment Credit Analysis

  • Corporate Credit Analysis of Asset Backed Securities
  • Bloomberg Terminal
  • NCUA §704.6 (Credit Risk)
  • Analysis & Monitoring of Industry Trends
  • Investment Analysis & Review
  • Counterparty & Insurer Reviews
  • New Issue Evaluation of Asset Backed Securities
  • Investment Strategies

Member Credit Analysis

  • CACU Loan Products & Rates
  • CACU Loan Policy & Agreements
  • CACU BOD & ALCO Reports
  • Member Credit Union Financial Statements
  • Member Credit Union Collateral Types
  • UCC Filings

This position will ultimately be responsible for the following:

Corporate Investment Credit Analysis

  • Preparing analysis of approved counterparties
  • Assist Accounting with Securities Interest Receivable reconciliation
  • Preparing monthly ALCO reports
  • Tracking and communicating bond rating changes and other relevant news
  • Assisting with creation and maintenance of Investment Credit files
  • Attending Internal ALCO
  • Other duties as assigned

Member Credit Analysis

  • Maintaining valid UCC filings
  • Reviewing incoming financial statements & collateral information
  • Preparing BOD & ALCO reports
  • Reviewing ACH exposure limit changes
  • Establishing or increasing a Member LOC
  • Evaluating subordination
  • Credit score calculation
  • Other duties as assigned


  • Bachelor’s degree in finance, economics, accounting or commensurate experience
  • Excellent problem solving/analytical skills
  • Excellent math/finance skills
  • Excellent quantitative skills
  • Strong communication skills, both written and oral
  • Must be detail-oriented and self-starter
  • Highly proficient in MS Office (primarily MS Excel).
  • Ability to work in a team environment and to work independently as needed


  • Adhere to Corporate, departmental, and governmental policies and regulations, laws, and policies.


  • Work is performed in an office setting.
  • Ability to sit for long periods of time.
  • The work environment and physical demands of this position are representative of similar jobs in comparable companies.

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