Commercial Credit Analyst

About the role

Young & Associates, Inc. is a leading consulting, outsourcing, and educational firm serving banks, credit unions, and other financial institutions nationwide. In an increasingly complex regulatory environment, the firm provides trusted guidance and a results-driven approach to help clients manage risk, stay compliant, and grow profitably. Its consultants are former banking and financial executives with decades of experience, offering a deep level of practical, real-world expertise. Young & Associates delivers a broad range of services, including regulatory compliance, lending and loan reviews, risk management, and strategic planning. This focus on specialized financial industry support creates a dynamic environment for professionals interested in impactful, client-focused work.

Responsibilities

• The Commercial Credit Analyst is a full-time, hybrid role based in Kent, OH, with some work-from-home flexibility.
• Analyzing commercial financial statements, assessing borrower creditworthiness, and supporting underwriting decisions for financial institution clients.
• Reviewing and spreading financial statements.
• Evaluating cash flow and collateral.
• Preparing written credit analyses.
• Making recommendations consistent with lending policies and risk management practices.
• Collaborating with internal consultants and client teams.
• Participating in loan reviews.
• Helping identify portfolio risks and opportunities.
• Clear documentation, preparation of reports, and communication of findings to stakeholders in a professional, organized manner.

Qualifications

• Strong financial analysis capabilities, including Financial Statement Analysis and interpretation of Financial Statements.
• Robust Analytical Skills to assess credit risk, identify trends, and support sound underwriting decisions.
• Knowledge of commercial Underwriting practices, lending standards, and risk management principles.
• Effective Communication skills, including the ability to prepare clear written reports and convey complex financial information to diverse audiences.
• Bachelor’s degree in finance, accounting, economics, business, or a related field.
• Experience in commercial lending, credit analysis, or banking is preferred.
• Proficiency with spreadsheet and financial analysis software; strong attention to detail and organizational skills.
• Ability to work both independently and collaboratively in a hybrid environment, managing multiple assignments and deadlines.