Analyst - Commercial Loan Credit

TDECU•Houston, TX

1d•Hybrid

About The Position

The Commercial Loan Credit Analyst will analyze and underwrite commercial loan requests, as well as perform periodic reviews of existing loans. This includes commercial conventional loans, commercial real estate loans, participation loans, and government-guaranteed loans, ensuring compliance with credit union policies, industry standards, and regulations. This role involves analyzing commercial loan applications, preparing credit approval packages, assessing risk, maintaining compliance, and recommending loan approval decisions. This role must communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union and uphold fair lending practices. With a significant financial impact on the organization, this role evaluates the financial implications of commercial credit decisions and portfolio trends while navigating complex loan structures and collaborating with stakeholders to mitigate associated risks.

Requirements

Bachelor's degree in finance, business, or related field.
Formal credit training is highly preferred
At least three years of proven experience in the commercial lending industry, including hands-on expertise in commercial credit analysis and underwriting.
Experience in underwriting commercial loans, including Commercial & Industrial (C&I) and Real Estate loans (to include construction).
Proficiency in analyzing financial statements, credit reports, and collateral to assess risk and creditworthiness.
Familiarity with credit union policies, regulatory requirements, and compliance standards related to commercial lending.
Experience in monitoring and managing commercial loan portfolios, identifying risks, and implementing strategies for improvement.
Strong ability to collaborate with stakeholders, including loan officers, legal teams, and borrowers, to structure loans and resolve issues.
Experience in streamlining underwriting processes to enhance efficiency and effectiveness.

Responsibilities

Performs thorough underwriting of commercial loan applications by analyzing borrower financial statements, tax returns, rent rolls, operating statements, business plans, guarantor strength, and industry conditions, ensuring the production of high-quality, detailed credit approval documents with identified credit risks.
Exercises independent credit judgment on complex commercial transactions, including structuring terms (amortization, covenants, guarantees, collateral positioning and coverage assessments).
Conducts financial spreading, cashflow analysis, probabilityofdefault considerations, using internal credit tools.
Prepares clear, accurate, and wellsupported credit approval memoranda, presenting key risks, mitigants, collateral evaluation, and recommended loan structures.
Performs periodic and annual reviews to assess borrower performance, covenant compliance, collateral sufficiency, and ongoing repayment capacity.
Engages across the full loan lifecycle - origination, underwriting, closing, renewals, modifications, and ongoing monitoring.
Collaborates with business development teams, loan officers, and key stakeholders to structure loan solutions that meet member needs while mitigating credit risk.
Streamlines underwriting workflows by identifying opportunities for process improvements, documentation efficiencies, and standardized practices.
Assists in preparing riskrating updates, audit responses, and documentation supporting regulatory exams.
Meets targets for productivity, quality, and borrower satisfaction
Participates in project management efforts for underwriting initiatives, ensuring timelines, deliverables, and cross-functional alignment.
Supports strategic initiatives aimed at improving credit quality, operational efficiency, and organizational growth.
Ensures all credit actions comply with internal policy, NCUA and TCUD regulatory guidance SBA standards, and other relevant regulatory framework.