Credit Analyst

First Community Credit Union•Chesterfield, MO

54d

About The Position

We are seeking a Business Credit Analyst, this role plays an important part in evaluating commercial loan requests and supporting the growth of our business lending portfolio. You’ll analyze financial data, assess risk, and prepare loan proposals that align with our credit union’s standards and member-focused values. This position requires strong analytical skills, attention to detail, and a collaborative mindset.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, or a related field (preferred but not required).
2+ years of experience in credit analysis, commercial lending, or financial services.
Proficiency in Microsoft Word, Excel, and financial analysis tools.
Strong understanding of financial statements and business tax returns.
Excellent communication skills and ability to work in a member-focused, sales-oriented environment.
Collaborative team player with strong problem-solving abilities.
Professional demeanor and commitment to credit union policies and service standards.

Responsibilities

Work closely with the Asst. Vice President of Business Lending to build relationships with prospective business members and meet annual portfolio growth goals.
Review and underwrite business loan applications in accordance with established policies and guidelines.
Analyze financial statements, tax returns, credit reports, and other data to assess loan profitability and risk.
Utilize Sageworks and other underwriting software to support credit analysis and documentation.
Evaluate collateral sources and monitor the financial health of business borrowers.
Prepare comprehensive loan proposals for presentation to the Loan Committee.
Ensure loan files are complete, accurate, and compliant prior to closing.
Serve as a subject matter expert on business lending products and procedures.

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