Commercial Credit Analyst

COMMERCIAL CREDIT ANALYST POSITION

The Commercial Credit Analyst is responsible for supporting the Commercial Lending Department to underwrite new commercial real estate loan originations, complete timely annual reviews of existing commercial real estate loans, and develop and update timely reports specific to the commercial lending portfolio.

Collaborate closely with commercial lenders and other credit union teams to maintain a high-quality commercial loan standards in alignment with the mission, vision, and shared values of the credit union.

Job duties

• Evaluate financial statements, historical trends, projections, management performance, industry conditions, cash flow, capital structure, and collateral.
• Prepare, review, and analyze the creditworthiness of commercial loan applications, renewals, and modifications while ensuring loan requests comply with lending policies and regulatory guidelines.
• Structure loan requests and obtain necessary documentation.
• Monitor loan performance, support credit reviews, and assist in preparing credit presentations for internal review.
• Support the day-to-day operations of the Commercial Lending Department.

QUALIFICATIONS FOR A COMMERCIAL CREDIT ANALYST

• Bachelor's degree in business, finance, accounting, or related field; equivalent work experience will be accepted in lieu of a degree.
• Three or more years of applicable work experience in the financial services industry.
• Basic understanding of accounting, tax returns, and financial statements.
• Intermediate level proficiency with computers and software applications including Microsoft Word and Excel.
• Two years of commercial lending experience preferred.

AFTER YOU APPLY

If you feel that you would be right for this position, please fill out our initial 3-minute, mobile-friendly application.

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