Credit Analyst I

America's Credit Union•DuPont, WA

About The Position

We’re seeking a detail‑driven person to help power our commercial lending decisions. Where you’ll help shape the quality and success of our commercial lending portfolio. In this position, you’ll analyze key financial data, support our Commercial and SBA Lenders, and ensure our loan files meet the highest standards of accuracy and compliance For over 70 years, ACU has been doing things differently. We believe in putting financial success within reach for everyone, ensuring that communities grow stronger together. Discover why credit unions are the better way. Leave the bankers behind and join ACU, where you’ll experience the difference firsthand. We’re looking for driven individuals like you - ready to thrive in an environment where your skills and ambitions matter. This isn’t just a job posting; it’s your opportunity to shape your future with an organization that puts people first.

Requirements

Three years of experience in commercial/business loan credit analysis and documentation and processing; or equivalent combination of experience and education that provides the required knowledge, skills, and abilities
BA or BS degree or equivalent required, preferably in finance, preferred
Formal credit training and experience underwriting C&I, CRE, and SBA loans, preferred
Working knowledge of basic accounting and finance, statistics, ratio analysis, calculus, industry assessment and financial statement analysis
Ability to work independently and as a team member while using discretion in decision making and sound judgment in problem solving
Strong attention to detail with the ability to prioritize work and complete multiple competing tasks and demands within deadlines
Strong analytical and computer skills to include advanced proficiency in Microsoft Word, Excel, and Outlook with the ability to adapt to new software and technologies

Nice To Haves

Formal credit training and experience underwriting C&I, CRE, and SBA loans, preferred
BA or BS degree or equivalent required, preferably in finance, preferred

Responsibilities

Analyze financial information for borrowers and guarantors, including tax returns, financial statements, cash flow reports, and collateral documentation
Assess credit risk and prepare clear, well-supported loan recommendations and credit proposals
Verify accuracy of applicant financial data by reconciling tax filings, balance sheets, and credit reports
Conduct ongoing reviews of existing commercial loans to evaluate loan quality and recommend necessary actions
Monitor maturing commercial loans and coordinate renewal requirements by collecting updated financial documentation
Ensure completeness and compliance of commercial loan files with internal policies and regulatory standards
Collaborate with lenders and members to obtain missing or updated financial information in a timely manner
Assist in preparing credit quality reports and presentations for senior management and the Board of Directors
Support the credit union’s commercial lending goals and overall portfolio management
Maintain organized workflow, prioritize tasks effectively, and manage multiple deadlines
Assist with audit and regulatory examination responses through preparation of required documentation
Provide additional support to the AVP of Business Services Manager and commercial lending team as needed
Evaluate SBA loan applications, including 504, 7(a), and Express loan programs