Commercial and Business Credit Analyst

About the role

San Francisco Federal Credit Union (SFFedCU) is a thriving financial institution with over 43,000 members and assets exceeding $1.3 billion. Located in San Francisco and San Mateo County, SFFedCU is seeking a Commercial and Business Credit Analyst to join their team at the Golden Gate Branch.

Responsibilities

• Analyze borrower financial statements, tax returns, and related documentation to assess creditworthiness of business entities and guarantors.
• Aid Loan Officers with underwriting analysis, loan structuring, and identification of key credit risks and mitigating factors.
• Prepare, review, or support the preparation of credit memorandums and financial analysis.
• Maintain oversight of assigned commercial loan relationships, including periodic and annual credit reviews.
• Review borrower financial trends and covenant performance to ensure alignment with approved credit terms and address emerging credit concerns.
• Collaborate with Commercial Loan Officers to evaluate borrower financial results and identify items requiring clarification or follow-up.
• Participate in borrower interactions when necessary, including document execution and closing activities related to the taxi medallion portfolio or other assigned relationships.
• Monitor portfolio trends, industry exposures, and market conditions to support internal reporting and ensure compliance with credit union policies and regulatory requirements.
• Perform other duties as assigned to support the department and credit union objectives.

Qualifications

• Strong understanding of commercial credit underwriting and financial statement analysis.
• Knowledge of commercial real estate and business lending structures.
• Familiarity with loan covenants, financial ratios, and credit risk monitoring.
• Excellent written and verbal communication skills.
• Strong organizational and analytical skills with the ability to manage multiple priorities.
• Proficiency in Microsoft Office, particularly Excel and Word.
• Experience with Wolters Kluwer CASH Suite financial spreading and credit analysis software preferred.

Education & Experience

• Bachelor’s degree in business, Finance, Accounting, or related field, or equivalent experience.
• 3–6 years of experience in commercial banking, business lending, underwriting, or credit analysis.
• Experience supporting commercial loan underwriting and portfolio management preferred.