Commercial Credit Analyst

Atlantic Regional Federal Credit Union • South Portland, ME

9d

About The Position

Atlantic Federal Credit Union is seeking a Commercial Credit Analyst to join its Commercial Lending team. The analyst 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 assesses financial performance and risk and provides recommendations supporting businesses and communities throughout Maine. The role offers exposure to a broad range of commercial relationships and opportunities to develop credit and risk management skills.

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.

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 continued growth and strength of Atlantic's commercial lending portfolio.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed