Sr Commercial Credit Analyst

Blaze Credit Union•Saint Paul, MN

17d•Onsite

About The Position

Role: The Sr Commercial Credit Analyst is responsible for underwriting and analyzing commercial real estate and business credit requests to support sound lending decisions. This role prepares comprehensive financial and credit analyses, evaluates collateral and market conditions, evaluates third party reports, and works closely with relationship managers and credit officers to assess risk and structure transactions in accordance with bank policy and regulatory standards. Job Type: Full-time, on-site at our administrative office in St Paul, MN

Requirements

Minimum bachelor's degree in finance, Accounting, Real Estate, Economics, or related field or equivalent experience
Minimum five years of credit analysis or underwriting experience
Strong financial analysis and accounting skills
Proficiency in Microsoft Excel and Word
Strong written communication and attention to detail
Credit judgment and risk assessment
Financial modeling and analysis
Time management and prioritization
Collaboration and communication
Ability to develop and implement responses to members/staff to document and develop new and ongoing techniques to improve processes; written communications draw from expert information from the field as an individual contributor.
Interaction with relationship managers, borrowers, and third-party vendors may be required.
Ability to sit and stand; answer calls; operate computer; interact with internal associates and members on the phone; travel to designated offices; lift up to 20 lbs.

Nice To Haves

Commercial real estate underwriting experience
Knowledge of banking regulations and credit policy

Responsibilities

Analyze commercial real estate and business loan requests, including acquisition, refinance, construction, development transactions, etc.
Prepare detailed credit presentation assessing borrower financial strength, global cash flow, guarantor support, and repayment sources
Review and spread borrower, guarantor, and property-level financial statements and tax returns
Evaluate property cash flow performance, rent rolls, operating statements, and lease terms
Perform financial modeling including DSCR, LTV, sensitivity, and stress analysis
Review third-party reports such as appraisals, environmental reports, and market studies
Assess market conditions, property type trends, and geographic risks
Ensure compliance with credit policy and regulatory guidelines
Support portfolio monitoring, annual reviews, covenant tracking, and risk ratings
Comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Exhibit Blaze’s Core Value’s: Better Lives, Thoughtfully Compassionate, Minnesota’s Best, and Give Back
Regular and predictable attendance
Perform other duties as assigned to support effective department operation.