Commercial Credit Analyst

Overview

Compensation: $79,000 - $119,000 based on experience and credentials
Location Type: Hybrid opportunity with 2-3 days a week of onsite availability
Position Type: Full Time
Schedule: Monday through Friday 8:00 AM - 5:00 PM

Responsibilities

• Review and analyze file information such as CPA quality financials, tax returns, credit reports, appraisals, other research, and market data
• Prepare detailed Credit Action Memorandum (CAM) recommendations to present to the decision-makers and the credit committee
• Gather the applicant’s financial information and perform a detailed analysis of financial data and other relevant information
• Prepare financial spreads to generate financial ratios and evaluate a borrower’s financial status
• Determine the borrower’s cash flow and capacity to service debt
• Summarize borrower’s financial statements and historical performance
• Detail identifiable risks associated with the credit quality of loans and collateral
• Interpret financial data and make loan recommendations to lenders and the loan committee
• Collaborate with the loan officer on any identified financial deterioration of the borrower
• Maintain knowledge and understanding of current trends, laws, and issues affecting the area of expertise
• Attend educational events to increase professional knowledge

Qualifications

• Bachelor’s degree in a business-related field (or equivalent work experience and training)
• 5+ years of commercial or business lending experience with a financial institution including underwriting traditional credits
• Excellent knowledge and understanding of commercial lending products, services, policies, and procedures
• Knowledge of banking regulations and best practices
• Able to prioritize tasks by effectively managing competing and changing priorities to meet required deadlines
• Accurate, detail-oriented, and organized with task management
• Ability to resolve difficult and complex problems
• Strong written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators
• Strong knowledge and understanding of regulatory compliance to successfully perform job responsibilities
• Must maintain a high level of confidentiality

Benefits

• Financial Well-Being: Bonus Program up to 12%, 401K Matching up to 8%, Retirement Planning, Pay Increases based on Competency, Employee Loan Discounts, Flex Spending Accounts
• Wellness: Medical Coverage, Dental and Vision Coverage, Access to 4,000+ Gyms, Mental Health Resources, PTO Wellness Days, Short Term and Long Term Disability Coverage
• Work-Life Balance: 11 Paid Holidays, 3 weeks of Paid Time Off, 4 weeks of Paid Parental Leave, Birthday PTO
• Community Involvement: Paid Volunteer Hours
• Growth: Degree Assistance up to $5,000 per year

Company Overview

Suncoast Credit Union is consistently chosen as a Tampa Bay Times Top Workplace because its employees genuinely #LOVEWORK! Employees flourish in an inclusive culture celebrating growth and prioritizing the community.