Credit Analyst II

AmeriCU Credit Union • City of Rome, NY

1d • $59,591 - $74,489 • Remote

About The Position

The Credit Analyst II plays a key role in supporting sound credit decision-making by performing in-depth financial analysis of commercial borrowers and contributing to portfolio risk management. This position partners closely with Credit, Lending, Risk, and IT teams to enhance credit tools, analytics, and processes while ensuring alignment with organizational risk appetite and regulatory expectations.

Responsibilities

• Perform financial analysis of commercial borrowers, including cash flow, trend analysis, and risk assessment
• Complete timely annual credit reviews and prepare clear, supported credit recommendations
• Support sound credit decision-making in alignment with lending policies, risk appetite, and regulatory guidance
• Provide analytical support for complex or higher-risk credit relationships, including secondary reviews as needed
• Utilize and support commercial credit underwriting and financial spreading systems
• Assist with system testing, enhancements, and process improvements to increase efficiency and consistency
• Develop and maintain portfolio monitoring reports and dashboards
• Analyze trends related to risk ratings, concentrations, covenant compliance, and exceptions
• Support stress testing, scenario analysis, and portfolio-level risk assessments
• Ensure the accuracy, consistency, and integrity of credit and portfolio data
• Assist with portfolio reviews, audits, and regulatory examinations
• Partner with Credit, Commercial Lending, Risk, and IT teams to improve credit processes and controls
• Contribute to documentation, training, and continuous improvement initiatives
• Perform other related duties as assigned

Benefits

• Competitive Medical, Dental & Vision coverage
• Generous Health Savings Account contribution (with HDHP enrollment)
• Paid Holidays
• Paid Time Off — Personal, Sick, and Birthday Time Off
• Employee Appreciation Events
• 401(k) with employer match (after 1 year of service)
• Employee Assistance Program
• Tuition Reimbursement for full‑time employees (after 1 year of service)
• Life Insurance & AD&D for full‑time employees at no cost
• Enhanced Short‑Term Disability at no cost to you

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 251-500 employees