Commercial Credit Analyst

Overview

We are seeking an adaptable and analytical Commercial Credit Analyst to join our financial services team. In this role, you will be responsible for conducting detailed financial analysis, underwriting, and risk assessment for Commercial and Member Business Loan (MBL) requests. The Commercial Credit Analyst evaluates the financial strength of business entities and guarantors, ensures policy compliance, and prepares comprehensive credit memorandums to assist credit committees and officers in making informed lending decisions.

Responsibilities

• Utilizes Business Loan System to perform new relationship and loan set up functions, upload relevant documents for storage and retention, and maintain records to ensure adherence to various deadlines, policy compliance, regulatory guidelines and borrower performance.
• Prepares structured, objective, and well-written Credit Memorandums that detail company history, industry trends, cash flow analysis, collateral positioning, the financial strength of individual and/or corporate guarantors, and strengths and weaknesses.
• Performs comprehensive global cash flow calculations, determining Debt Service Coverage Ratios (DSCR), debt-to-income (DTI) metrics, and secondary repayment capacities.
• Performs financial sensitivity analysis, stress testing cash flows against market downturns, rising interest rates, vacancy, or supply chain shocks.
• Evaluates property appraisals, environmental assessments, and third-party professional reviews to ensure adequate loan-to-value (LTV) cushions and compliance with borrowing limits.
• Recommends and justifies initial or ongoing risk ratings in accordance with Credit Union asset quality policies and underwriting guidelines.
• Reviews loan requests against Member Business Lending regulations, federal compliance benchmarks, and internal Credit Union credit policies to mitigate structural risk.
• Serves as a collaborative liaison between Members, Business Development Officers, and senior management to resolve information gaps and clarify complex corporate credit structures.
• Assists in tracking, recording, and resolving annual loan exceptions, covenant testing, and ongoing portfolio monitoring requirements.
• Participates actively in early-stage deal screening sessions with Business Development Officers and Chief Credit Officer to evaluate structure, viability, and policy fit before initiating full underwriting.
• Drafts credit memorandums for any substantial changes in a borrower's financial stability, debt service coverage, and ownership structure in connection with a risk rating downgrade.
• Additional duties as assigned in support of credit union goals and objectives.

Required Skills and Experience

• Professional Experience: Minimum of two (2) years of direct commercial credit or lending underwriting experience required.
• Formal Credit Training: Completion of a formal commercial credit training program is strongly preferred.
• Accounting & Financial Proficiency: Ability to understand accounting, including financial statement and/or tax return spreads, cash flows, and credit analysis.
• Software & Tools Command: Proficient in relevant software and tools used for financial analysis, portfolio management, and risk assessment (Microsoft Excel & Word required, nCino preferred).
• Analytical Problem Solving: Ability to define problems, proactively identify and articulate risks, collect data, establish facts, and draw valid conclusions to be communicated to management.
• Organization & Time Management: Strong organization and time management skills.
• Communication: Exceptional written and oral communication skills, specifically tailored for drafting comprehensive legal, financial, and narrative credit briefs.
• Professional Confidence: Possesses strong critical judgment and professional self-confidence, with a proven ability to objectively defend analytical risk assessments and credit decisions to sales teams and committees.
• Teamwork: Proven team player with strong interpersonal skills and the ability to collaborate effectively across multiple departments to achieve collective organizational milestones.
• Multi-Tasking: Proven ability to handle multiple priorities and manage a pipeline of files under tight underwriting deadlines.
• Education: A Bachelor's degree is preferred, or equivalent business experience is required.

Pay: $75,000.00 - $85,000.00 per year

Benefits:

• 401(k) 6% Match
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Work Location: In person

Salary : $75,000 - $85,000