Commercial Credit Analyst
About The Position
Atlantic Federal Credit Union is seeking a Commercial Credit Analyst to join its Commercial Lending team. The role evaluates commercial borrowing opportunities, including commercial real estate (CRE) and commercial and industrial (C&I) relationships, to support sound lending decisions and a high-quality loan portfolio. Working closely with Relationship Managers and lending leadership, the analyst reviews financial performance, assesses risk, and provides recommendations that support businesses and communities throughout Maine. The position offers exposure to a broad range of commercial relationships and the opportunity to develop credit and risk management skills while contributing to responsible growth and community impact.
Requirements
- 3–5 years of related commercial credit, lending, banking, finance, accounting, or financial analysis experience.
- Strong financial statement and cash flow analysis skills.
- Ability to interpret complex financial information and identify key risks.
- Strong organizational skills and attention to detail.
- Experience with Abrigo or similar credit analysis software.
- Critical thinking and problem-solving skills.
- Sound judgment in evaluating risk and opportunity.
- Ability to communicate recommendations clearly and confidently.
- Ownership of work and willingness to expand expertise.
- Ability to build productive relationships while maintaining an objective credit perspective.
- Integrity, professionalism, and attention to detail.
Responsibilities
- Analyze financial statements, tax returns, cash flow, and supporting documentation to assess creditworthiness and repayment capacity.
- Evaluate loan structures, collateral, guarantor strength, and potential risk factors.
- Prepare clear, well-supported credit presentations and recommendations.
- Conduct annual reviews of commercial loan relationships.
- Assess economic, industry, and market trends that may affect borrower performance.
- Partner with Commercial Lending professionals to identify strengths, concerns, and opportunities within lending relationships.
- Support process improvements, technology initiatives, appraisal coordination, and other special projects.
- Contribute to the growth and strength of Atlantic's commercial lending portfolio.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
