Career Opportunities


Career Opportunities at TCT Federal Credit Union

Current Postings


Credit Analyst
Position Location: Clifton Park Branch
Full Time


Join the Credit Union Movement by taking your experience with Customer Service and Lending to TCT Federal Credit Union as an Credit Analyst located in our Clifton Park Branch! We have branch locations in Saratoga, Warren and Washington counties and this position will serve as one of our Underwrites for all our branches.

  • The Credit Analyst's role is to determine creditworthiness when an application for credit is received, ensure proper processing which includes a detailed analysis but is not limited to, review of credit report, debt-to-income ratios, verification of debts, estimate monthly payments for any outstanding obligations, determine collateral needs, and determine if co-maker / guarantor may be required.

  • Verify supporting information in relation to the member's credit advance request as defined by TCT policy and procedures regarding open-end lending.

  • Gather and analyze financial and collateral information on members for the purpose of determining qualifying status on home equity loans. Evaluate real-estate appraisals to ensure proper guidelines are followed and final value is determined, flood zone determinations, and property title searches to ensure proper ownership and any lien filings that may impact the credit union's lien holders position.

  • Document approval or denial actions of consumer and home equity loan applications based on credit union policies and procedures within delegated lending authority.

  • Their role as a Credit Analyst for TCT must be delivered with the highest degree of Customer/Member Service.

The successful candidate will have:

  • Two years of experience in underwriting consumer loans in an automated lending environment. Experience in reviewing supporting documentation required for loan processing. OR

  • Two years of experience in underwriting home equity loans in an automated lending environment. Experience with appraisal and title search review.

  • Ability to review tax return information of self-employed borrowers for underwriting purposes.

  • Through knowledge of federal regulations involved with consumer and home equity lending.

  • Ability to work within lending policy guidelines and the judgment to make exceptions as warranted.

  • Ability to work as a backup Home Equity Loan Processor.

  • Good attention to detail is a must. The highest level of Integrity is essential as well as a clear understanding of state and federal regulations.

TCT Federal Credit Union offers competitive salary in a relaxed, but professional work environment.  If you meet the above qualifications and would like to be considered for this position, please send your resume along with a cover letter & salary requirements to:

TCT Federal Credit Union
ATTN: Human Resources
416 Rowland Street.  Ballston Spa, NY 12020
Or email to
Or Fax to: 518-288-3751


Application Deadline: February 3, 2017


About Career Opportunities At TCT Federal Credit Union


TCT Federal Credit Union is a growing organization and an enjoyable place to work.  We offer a dynamic work environment that includes:

  • Competitive Salaries

  • Training Opportunities

  • Medical and Dental Plan*

  • 401(k) Plan

  • Short Term Disability and Long Term Disability*

  • Life Insurance*

  • Paid Holidays and Fringe Time*

*Applies to Benefit eligible positions


TCT does not accept unsolicited resumes, so check our website often for employment opportunities.


Equal Opportunity Employee Statement:

TCT Federal Credit Union provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientations, national origin, age, disability, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. TCT Federal Credit Union complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfers, leave of absence, compensation and training.

TCT Federal Credit Union expressly prohibits any form of unlawful employee harassment based on race, color, religion, gender, sexual orientation, national origin, age disability, or veteran status. Improper interference with the ability of TCT Federal Credit Unionís employees to perform their expected job duties is absolutely not tolerated.


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