Sr Credit Analyst

DFCU Financial • Tampa, FL

1d

About The Position

DFCU Financial is seeking a full-time Sr Credit Analyst to underwrite and analyze commercial loan requests, including new loans, renewals, modifications, and periodic reviews. The analyst evaluates borrower financial strength, repayment capacity, collateral, guarantor support, industry conditions, and overall credit risk. The role prepares recommendations that support sound lending decisions, regulatory compliance, and effective portfolio management, and serves as a resource for business bankers, portfolio managers, lending partners, and other credit analysts.

Requirements

• Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
• Five or more years of experience in commercial credit analysis, underwriting, or commercial banking.
• Experience analyzing small-business through middle-market commercial lending relationships.
• Advanced knowledge of commercial lending principles, credit products, underwriting practices, and credit risk assessment.
• Strong understanding of GAAP financial statements, cash flow analysis, financial ratios, and repayment capacity.
• Ability to interpret tax returns, borrowing base reports, financial projections, and other financial documentation.
• Experience supporting presentations at lending committees and underwriting multi-million-dollar commercial credit relationships.
• Proficiency in Microsoft 365.
• Demonstrated analytical and problem-solving skills.
• Ability to initiate and embrace change.
• Excellent interpersonal skills, including written and verbal communication, and ability to work in a team environment.

Nice To Haves

• SBA 7(a) and 504 lending experience.

Responsibilities

• Conduct comprehensive underwriting of commercial real estate, commercial and industrial lending, working capital, equipment financing, acquisition, and other commercial credit requests.
• Analyze financial statements, tax returns, borrowing base reports, projections, and other borrower information to assess cash flow, repayment capacity, financial performance, and credit risk.
• Evaluate collateral, guarantor support, business valuations, real estate appraisals, environmental reports, and other factors relevant to credit structure and risk.
• Conduct industry, market, and competitive analyses to identify conditions that may affect borrower performance and portfolio quality.
• Prepare credit memorandums, loan presentations, and recommendations for approval, modification, renewal, or decline.
• Conduct annual and interim reviews of existing commercial credit relationships, maintain accurate risk ratings, and identify emerging risks or concerns.
• Ensure transactions comply with applicable regulatory requirements and DFCU policies, procedures, and underwriting standards.
• Participate in internal and external loan reviews, credit committee meetings, and other credit risk management initiatives as needed.
• Collaborate with business bankers, portfolio managers, credit officers, loan operations, and other departments to gather information, communicate findings, and support effective portfolio management.
• Provide guidance to other credit analysts and credit associates on complex transactions and underwriting practices, and support their professional development.
• Manage multiple credit requests and review deadlines while supporting portfolio growth, asset quality, and compliance objectives.

Benefits

• 401(k) plan match, dollar for dollar up to 4%.
• Additional employer 401(k) contribution of 5% after one year.
• Employee bonus program.
• Medical, dental, and vision insurance effective on date of hire.
• Health savings account (HSA).
• Flexible spending accounts for medical and dependent care expenses.
• Adoption assistance for qualified expenses, up to $10,000 per child.
• Wellness initiatives and reimbursements.
• Pre-paid legal services plan.
• Identity protection plan.
• Accident supplemental plan.
• Company-paid short- and long-term disability plans.
• Company-provided basic life insurance of $50,000, with supplemental coverage available for employee, spouse, and child.
• Pet insurance.
• Free financial planning assistance.
• Employee events throughout the year.
• Volunteer and community engagement opportunities.
• Employee loan discounts for closed-end loans.
• Service and anniversary awards.
• Employee discounts on company logo wear.
• Employee referral payouts.
• Paid lunch time.
• Tuition reimbursement and education assistance.
• Ongoing training opportunities.
• Leadership development program.
• Paid time off.
• 13 paid holidays per year.
• Flexible scheduling for students.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior