Credit Analyst

About the role

The Credit Analyst plays a key role in the MFRBL underwriting process, reviewing financial information for borrowers and guarantors, outlining missing information, providing context, and drafting loan presentations with the Loan Officer. The analyst delivers an independent recommendation to approve or decline the proposed loan and performs periodic reviews of the loan portfolio.

Responsibilities

• Prepare Loan Presentations (New Loans) and Annual/Periodic Reviews (Existing Loans).
• Ensure that each loan complies with all MFRBL loan policy guidelines.
• Analyze financial statements for the subject property, owners, and guarantors to independently confirm strengths and weaknesses.
• Validate the assigned risk rating per the MFRBL risk rating matrix.
• Use critical thinking and analysis to produce thorough loan presentations relied upon by approving authorities.
• Prepare concise loan presentations, annual/periodic reviews, or credit memos documenting findings and recommendations.
• Analyze business financial statements and create cash‑flow models to support new and existing commercial loans, renewal requests, and amendments.
• Provide meaningful context to financial data to help readers understand financial condition and credit risks.
• Identify credit and operational risk and suggest mitigating factors.
• Clearly explain key issues and confirm appropriate loan structures within the presentation.
• Prepare Watch List memos for loans experiencing credit issues that need extra monitoring.
• Track and meet deadlines for loan presentations and annual/periodic reviews.
• Prepare credit denial letters and forward them to the Senior Credit Analyst for second review.
• Communicate verbally and in writing with borrowers and guarantors to collect financial documents and answer underwriting questions.
• May join the MFRBL Loan Officer during meetings or phone calls with borrowers and members.
• Focus on attention to detail, adherence to loan policy guidelines, and meeting deadlines.
• Primarily underwrite annual/periodic reviews and basic‑to‑moderate complexity new loan requests.
• May have low to moderate interaction with borrowers and guarantors while performing analysis.
• Ad Hoc Financial Analysis or Research: assist lending staff with property‑specific research, pre‑qualification assessments, preliminary financial spreads, and initial analysis within the MFRBL Loan Policy framework.
• May perform site visits for new loan requests or existing loans.
• Research real‑estate metrics and data using a commercial real‑estate database.
• Assist with any research or projects as requested.
• Other Duties / Internal Support: assist with department report generation (monthly, quarterly, annually) and other loan‑portfolio monitoring activities.
• Prepare credit committee materials and agenda, attend credit committee meetings, and draft meeting minutes.
• Interact with the Department Manager, Loan Officers, Loan Admins, and other internal staff to assist with special projects.
• Support Loan Officers and Loan Admins in collecting financial statements from borrowers and guarantors.
• Help the Loan Operations Manager and Loan Admins prepare for internal and external audits and examinations.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Management, or a related field (required).
• 2–3 years of experience as a Credit Analyst, Financial Analyst, Portfolio Manager, and/or Commercial Real Estate Analyst (required).

Skills

• Strong math and analytical abilities.
• Moderate exposure to commercial lending principles and best practices.
• Understanding of commercial loan documents and appraisals.
• Superior written communication.
• Ability to multi‑task and maintain attention to detail.
• Confidentiality and ability to handle high‑pressure situations while meeting timelines.
• Problem‑solving skills with minimal guidance.
• Relationship‑building and customer‑service skills (internal & external).
• Willingness to learn and grow professionally.

Development & Training

Engage in employee development through internal and external learning of credit and financial analysis topics. Complete commercial underwriting training modules or certification courses, build competency in borrower interaction by joining Loan Officers on sales calls, maintain understanding of MFRBL Loan Policy, and potentially train others as the department expands.

Benefits

• 21.5 days of annual time off (accrued per pay period).
• 2 weeks paid caregiver leave.
• 2.5 weeks paid new‑child parental leave.
• 2 days paid volunteer time.
• 10 paid holidays (including your birthday).
• 401(k) company match up to 5% plus approximately 4% discretionary match.
• Variable bonus reward.
• Competitive medical, dental, and vision plans (including domestic partner eligibility).
• Employee Assistance Program.
• Additional perks and programs.

All employees must possess valid work authorization to work for UW Credit Union on the date of hire. UWCU does not provide immigration sponsorship or support for employment authorization (e.g., H‑1B, F‑1 OPT, TN, or other visa categories).