Senior Credit Analyst

Partners 1st Federal Credit Union•Fort Wayne, IN

2d•Onsite

About The Position

The Senior Credit Analyst analyzes complex commercial and commercial real estate loan requests by completing financial statement, cash flow, and collateral analyses; evaluating the repayment ability of a business or real estate project; identifying strengths, weaknesses, risks, and mitigating factors; and preparing written comments to support sound credit decisions. The role also performs periodic credit reviews, recommends loan structures and related reporting requirements and covenants, and helps develop other credit team members. The position supports operational loan needs and may participate in onsite visits with commercial lenders. The role requires compliance with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and Office of Foreign Assets Control requirements, as well as company policies. It also calls for behaviors that reflect the credit union’s culture, mission, and core values, with a strong commitment to service excellence and member-focused solutions. The position is based at the Directors Row location in Fort Wayne, Indiana, and is full-time, 40 hours per week, Monday through Friday, 8:00 a.m. to 5:00 p.m. Work is primarily indoors in a climate-controlled shared work area with minimal noise. Remote work is possible subject to a remote work agreement. The role is primarily sedentary, with occasional lifting of up to 10 pounds, and may require extended hours when requested or required by management.

Requirements

Five or more years of direct experience in commercial credit analysis.
Bachelor’s degree in accounting, finance, actuarial science, or another related discipline.
Outstanding written and verbal communication skills.
Excellent technical, analytical, problem-solving, and teamwork skills.
Advanced user of Microsoft Excel and commercial lending software applications.
Able to work at the Directors Row location in Fort Wayne, Indiana, full-time, 40 hours per week, Monday through Friday, 8:00 a.m. to 5:00 p.m.
Able to work extended hours whenever required or requested by management.
Able to perform primarily sedentary work, occasionally lift up to 10 pounds, and climb or descend stairs in an emergency.
Able to routinely work on a computer for an average of 6–8 hours per day when necessary and operate routine office equipment.
Able to maintain regular, reliable, and timely attendance.
Able to work independently or with limited supervision and effectively as part of a team.
Able to handle deadlines, demands for accuracy and quality, fast-paced work, and multiple, simultaneous, and changing priorities.
Able to exercise discretion with confidential matters and deal calmly and professionally with diverse people while providing high levels of customer service.

Responsibilities

Initiate preliminary financial statement, cash flow, and collateral analyses on loan requests to determine viability.
Recommend appropriate loan structures, financial reporting requirements, and financial covenants for viable loan requests; complete comprehensive financial statement, cash flow, and collateral analyses; and prepare credit memos.
Perform periodic credit reviews on aggregate relationships as required by commercial loan policy.
Train, develop, and mentor credit team members.
Participate in onsite visits with commercial lenders to businesses and real estate projects as necessary.
Support loan document preparation, funding, booking, servicing, administration, and other operational needs.
Comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and Office of Foreign Assets Control requirements, and with company policies.
Provide exceptional service that supports employees and members and reflects the credit union’s culture, mission, and core values.