Commercial Credit Analyst Jobs

About The Position

Requirements

• At least 8 years of financial industry experience.
• At least 6 years of Commercial Credit Analyst experience.
• A bachelor's degree in finance, accounting, or business equivalent; 9 or more years of experience may be accepted as an equivalent.
• Solid knowledge of current banking laws, regulations, and credit union practices.
• Proven expertise in financial statement analysis and assessing creditworthiness across a variety of industries.
• Strong written and verbal communication skills, including the ability to present complex credit issues clearly and concisely.
• Strong organization, attention to detail, time management, and prioritization skills.
• Personal accountability and ownership, with the ability to manage work independently with minimal supervision.
• Ability to handle multiple assignments in a high-volume environment while maintaining accuracy and meeting deadlines.
• Ability to identify credit strengths, weaknesses, industry risks, and anomalies; prepare comprehensive credit summaries and communicate recommendations effectively.
• Sound judgment and ability to operate autonomously on most credit decisions, seeking input when needed for complex or nuanced cases.
• Advanced understanding of commercial lending principles and practices.
• Ability to solve complex and ambiguous problems independently and collaboratively.
• Ability to lead complex projects and exercise independent judgment on high-impact business issues.
• Ability to provide technical leadership, mentor professionals, influence cross-department decisions, and partner with leaders and cross-functional teams.
• Must reside in Colorado or be willing to relocate before starting employment.

Responsibilities

• Spread and analyze business and personal financial statements and tax returns to assess creditworthiness, repayment capacity, and financial strength.
• Analyze commercial real estate and business credit requests, including cash flow, debt service coverage, financial trends and ratios, industry considerations, guarantor support, and collateral adequacy.
• Explain loan purpose, repayment sources, key risks and mitigants, policy exceptions, and the adequacy of loan structure and collateral; assign appropriate risk ratings.
• Prepare comprehensive credit approval packages for timely submission to the Loan Committee and other approval authorities.
• Evaluate proposed loan structures and recommend terms and conditions that balance member needs with the Credit Union's risk tolerance and lending policies.
• Collaborate with Commercial Loan Officers and Credit Administration to assess credit strengths and weaknesses, address underwriting questions, and develop solutions for complex requests.
• Identify and communicate material risks, adverse trends, industry concerns, collateral issues, and other factors affecting credit quality or repayment capacity.
• Maintain knowledge of and comply with applicable commercial lending laws, banking regulations, and internal credit policies.
• Monitor external economic and industry trends that may affect credit risk, borrower performance, and commercial lending decisions.
• Participate in department initiatives, audits, system enhancements, and selection and implementation of credit and loan platforms.
• Coach, mentor, and train peer analysts; review credit presentations and underwriting analyses and provide feedback to support consistency and quality.
• Lead complex projects, programs, or processes with minimal oversight and recommend improvements to processes and business practices.
• Perform other duties and special projects as assigned.

Benefits

• Three health plans through UMR, with HSA and FSA options.
• Two dental plans through Delta Dental.
• Basic life and AD&D insurance.
• Short-term disability and long-term disability.
• More than 20 days of paid time off per year.
• 16 hours of volunteer time off per year.
• More than 11 paid holidays.
• 401(k) with up to a 6% employer match.
• Up to 2% off the rate on a new Westerra mortgage for a primary residence, second home, or investment property.
• 2% off auto, RV, and motorcycle loans.
• Up to $5,250 per year in educational reimbursement.
• Four weeks of paid parental leave.
• Mental health resources, including an Employee Assistance Program.
• Individualized learning and development programs.
• Annual bonus potential tied to Westerra's financial performance.