Commercial Credit Analyst – Community Development & Affordable Housing Lending
About The Position
This opportunity sits within a well-capitalized community bank with approximately 400MM in assets and a long-standing commitment to commercial lending, community development, and relationship banking. While many institutions talk about impact as a marketing initiative, this bank has built a meaningful portion of its lending strategy around affordable housing, community development, and CRA-focused lending throughout the region. The mission is to support the underwriting and risk evaluation of commercial lending relationships while developing expertise in one of banking's more specialized lending arenas. This is a credit-first role focused on helping assess complex transactions, with exposure to affordable housing, community development, LIHTC, CRA, and CDFI-related lending opportunities. The goal is simple: build a stronger credit professional while helping support transactions that create meaningful impact in the communities they serve.
Requirements
- Commercial Credit Analyst, Credit Analyst II/III, Portfolio Manager, Commercial Underwriter, Credit Officer, or similar commercial banking experience.
- Strong financial statement analysis, cash flow underwriting, and commercial credit fundamentals.
- Comfortable working through complex commercial transactions where structure and documentation matter.
- Able to translate financial analysis into clear recommendations for lenders, credit teams, and leadership.
Nice To Haves
- Prior experience in affordable housing, community development, LIHTC, CRA, and CDFI-related lending is welcome, but absolutely not required.
Responsibilities
- Evaluate commercial lending opportunities through detailed financial analysis, cash flow assessment, and credit underwriting.
- Prepare credit presentations, spread financial statements, and identify both strengths and potential risks within a transaction.
- Partner closely with lenders, Portfolio Managers, and leadership to support both new opportunities and existing client relationships.
- Analyze commercial lending opportunities tied to affordable housing, community development, LIHTC, CRA, and CDFI initiatives while building expertise in a specialized lending segment that most analysts rarely encounter.
- Deliver clear, thoughtful analysis that helps balance growth objectives with sound credit discipline.
Benefits
- Competitive Package: 75K – 110K base comp plus benefits, long-term growth opportunity, and exposure to transactions that can significantly broaden your credit toolkit.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
