Commercial Credit Analyst
About The Position
Pima Federal Credit Union of Tucson, AZ is looking to hire a full-time Commercial Credit Analyst. This role is responsible for supporting the Commercial Lending Department to underwrite new commercial real estate loan originations, complete timely annual reviews of existing commercial real estate loans, and develop and update timely reports specific to the commercial lending portfolio. The analyst will collaborate closely with commercial lenders and other credit union teams to maintain high-quality commercial loan standards in alignment with the mission, vision, and shared values of the credit union. Job duties include evaluating financial statements, historical trends, projections, management performance, industry conditions, cash flow, capital structure, and collateral. The Commercial Credit Analyst will prepare, review, and analyze the creditworthiness of commercial loan applications, renewals, and modifications while ensuring loan requests comply with lending policies and regulatory guidelines. This role partners closely with commercial lenders to structure loan requests and obtain necessary documentation. Attention to detail is critical as the analyst monitors loan performance, supports credit reviews, and assists in preparing credit presentations for internal review. In addition, the role supports the day-to-day operations of the Commercial Lending Department.
Requirements
- Bachelor's degree in business, finance, accounting, or related field; equivalent work experience will be accepted in lieu of a degree
- Three or more years of applicable work experience in the financial services industry
- Basic understanding of accounting, tax returns, and financial statements
- Intermediate level proficiency with computers and software applications including Microsoft Word and Excel
- Strong work ethic
- Positive outlook
- Excellent communication skills
- Detail-oriented
- Honest and trustworthy
Nice To Haves
- Two years of commercial lending experience preferred
- Comfort working with a variety of vendors
Responsibilities
- Underwrite new commercial real estate loan originations
- Complete timely annual reviews of existing commercial real estate loans
- Develop and update timely reports specific to the commercial lending portfolio
- Evaluate financial statements, historical trends, projections, management performance, industry conditions, cash flow, capital structure, and collateral
- Prepare, review, and analyze the creditworthiness of commercial loan applications, renewals, and modifications
- Ensure loan requests comply with lending policies and regulatory guidelines
- Partner closely with commercial lenders to structure loan requests and obtain necessary documentation
- Monitor loan performance
- Support credit reviews
- Assist in preparing credit presentations for internal review
- Support the day-to-day operations of the Commercial Lending Department
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- 100% company-paid life insurance
- 100% company-paid short-term disability
- 100% company-paid long-term disability
- Employee assistance program (EAP)
- Flexible spending account (FSA) options
- Critical illness insurance
- Accident coverage
- Buy-up options on life insurance
- 401(k) plan with company match
- 100% company-funded pension plan
- Generous paid time off policies
- 11 paid holidays
- Tuition Reimbursement
- Access to on-demand pay
- One-on-one financial planning
- Award-winning wellness program
- Access to an on-site car repair service
- Employee appreciation events
- Paid volunteer time
- Healthy work-life balance
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
