WI - Commercial Credit Analyst III

About the role

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking!

Responsibilities

• Provide credit analysis and risk management for new and existing business members, partnering with Commercial Lenders to manage risk of the commercial loan portfolio.
• Perform credit analysis and assess risk for borrowing relationships to make loan approval recommendations regardless of size or level of complexity.
• Ensure credit analysis compliance with applicable policies, procedures, and regulatory requirements to monitor borrower and portfolio health on an ongoing basis.
• Provide guidance for Problem Loan Monitoring and analysis of future repayment risk, and mentorship for less experienced analysts.
• Independently interpret credit and lending policies to prepare written credit presentations and approval recommendations, providing a detailed analysis of borrower's repayment capacity and project risks on loans ranging from $1 million to $30 million, with emphasis on more complex loan structures.
• Participate in collaboration on structure for proposed loans, and recommend structure improvements.
• Independently prepare and analyze financial spreads and relevant financial information to assess borrower's ability to repay existing loans and new loan requests using key financial metrics and documentation.
• Analyze and evaluate financial capacity of borrower and loan guarantors, including preparation of global cash flow analysis.
• Research and evaluate borrower's background, management capability, industry position and competitor's strength.
• Produce written and detailed credit risk analysis recommendations in a clear and concise manner for appropriate audience commensurate with risk and policy/procedure guidelines.
• Active participation in industry trade groups relevant to Wings' commercial portfolio.
• Participate in organizational initiatives such as M&A due diligence and NCUA examination, as assigned.
• As directed, provide subject matter expertise and department representation to organizational projects and initiatives.
• In partnership with Manager, provide growth opportunities and task mentorship for Commercial Credit Analysts I and II.
• Continuing education and networking throughout the year to gather knowledge of changing industry trends that impact risk to Wings and borrowers.
• Complete all applicable compliance training and/or sales tutorials within established timelines.
• Attend Business Loan Review Committee meetings to assist commercial lenders with new credit request presentations and annual credit reviews.
• Remain cognizant of and adhere to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

• Bachelor's Degree in Finance, Accounting, Economics, or related field preferred. Equivalent combinations of education and progressively responsible commercial credit analysis, underwriting, or lending experience will be considered.
• 5+ years satisfactory work experience with commercial credit analysis, or other relevant experience demonstrating increased levels of accountability and knowledge.
• Bondable required.

Skills

• Experienced and proficient in the use of financial spreading and analysis software, with preference for experience using the nCino platform.
• Demonstrated knowledge of industry trends and monitoring tools/techniques, with a preference for active participation in market/industry trade groups.
• Understanding of problem loan workout and monitoring techniques, with ability to successfully partner with lenders to guide process and solutions.
• Experienced and proficient in Microsoft Office products, including Excel, Word and PowerPoint.
• Ability to independently