Commercial Credit Analyst
About The Position
Our Commercial Credit Analyst 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. Collaborate closely with commercial lenders and other credit union teams to maintain a 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.
Nice To Haves
- Two years of commercial lending experience preferred.
- Are you looking to build on your commercial lending experience?
- Would you be comfortable working with a variety of vendors?
- Do you have excellent communication skills?
- Are you detail-oriented?
- Are you honest and trustworthy?
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 while ensuring loan requests comply with lending policies and regulatory guidelines
- 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
- Insurance: Medical, dental, and vision - each benefit has a generous contribution from the credit union
- 100% company-paid life insurance, short-term disability, long-term disability, and employee assistance program (EAP)
- Access to other products such as two flexible spending account ( FSA ) options, critical illness insurance, accident coverage, and buy-up options on life insurance
- Retirement: 401(k) plan with company match
- 100% company-funded pension plan
- Generous paid time off policies, including 11 paid holidays
- Tuition Reimbursement
- Access to on-demand pay and one-on-one financial planning
- An award-winning wellness program
- Access to an on-site car repair service
- employee appreciation events
- paid volunteer time
- a healthy work-life balance
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
