Commercial Credit Analyst

REPORTS TO: Commercial Portfolio Manager

SUPERVISES: N/A

JOB STATUS: Exempt/Non-Exempt, depending on qualifications and level of placement

Targeted Pay: Offers are made based on candidate qualifications, experience, internal equity, and consistent with company policies and pay practices.

• This position works on-site. Remote work is not available at this time.

Overview:

State ECU is growing our Commercial Lending team - and we are looking for a Commercial Credit Analyst who can bring strong financial acumen, sound judgment, and a disciplined approach to credit analysis and lending support.

This role is ideal for someone who enjoys working through complex financial information, identifying risk, and helping support sound commercial lending decisions that serve both the credit union and its business members.

All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.

Why work at State ECU

At State ECU, we invest in our people through collaboration, development, and meaningful opportunities to grow your career in a supportive community. We live the credit union philosophy of "people helping people" - and we take pride in delivering consistent, exceptional experiences for our members and one another.

The opportunity

Reporting to the Commercial Portfolio Manager, this role supports the analysis, preparation, and review of commercial and business lending relationships across the credit lifecycle. The work includes evaluating borrower financial capacity, preparing credit presentations and recommendations, supporting renewals and reviews, and helping maintain accurate reporting and documentation.

This is a strong opportunity for someone who wants exposure to the depth and variety of commercial lending work - from tax return and cash flow analysis to portfolio monitoring, risk identification, and lending support that directly contributes to smart, service-focused decisions.

What you'll do

Core responsibilities

• Analyze financial information provided by businesses and individuals to assess creditworthiness and overall loan risk.
• Evaluate borrower capacity to repay, capital position, cash flow, collateral considerations, and broader economic factors to support sound underwriting recommendations.
• Prepare clear, well-supported credit presentations, memos, and analysis for new loan requests, renewals, reviews, and related credit actions.
• Review personal and business tax returns, financial statements, and cash flow information to identify strengths, concerns, and emerging risks.
• Support commercial lending activities through portfolio monitoring, financial documentation collection, report review, and ongoing relationship support.
• Assist with loan structuring, documentation, renewals, modifications, and other commercial lending support activities, depending on experience and assigned scope.
• Help maintain accuracy in loan-related reports, tracking tools, and supporting documentation.
• Stay informed on local and national economic, financial, political, and legislative developments that may affect commercial lending activity and portfolio performance.
• Ensure compliance with credit union policies, lending procedures, and applicable laws and regulations, including training and awareness related to AML, OFAC, BSA, Reg P, and the Patriot Act.
• Contribute to a high-quality member and internal partner experience by supporting responsive, thoughtful, and well-executed commercial lending service.

What we're looking for

Must-have qualifications

• Strong analytical ability and attention to detail, with the ability to interpret financial information and identify key credit risks.
• Working knowledge of commercial credit analysis principles, including borrower capacity, cash flow analysis, financial statement review, and underwriting fundamentals.
• Ability to organize findings, exercise sound judgment, and communicate recommendations clearly and professionally.
• Strong interpersonal and communication skills, with the ability to work effectively with lending staff, business members, and internal partners.
• Ability to manage multiple priorities while maintaining accuracy, follow-through, and strong documentation practices.
• Proficiency with Microsoft Office and comfort working with reports, spreadsheets, and loan-related systems.
• Ability to work independently while also contributing effectively in a team-based lending environment.
• Commitment to confidentiality, compliance, and consistent adherence to credit union policies and procedures.

Educationexperience

Education or experience equivalent to a Bachelor's degree in Accounting, Finance, or a related field, plus progressive experience in credit analysis, commercial lending, underwriting, banking, credit union operations, or a related financial environment. Leveling and placement may vary based on depth of experience, demonstrated analytical capability, and ability to independently manage more complex credit relationships and related responsibilities.

Preferred (helps you stand out)

• Experience in commercial lending, business banking, credit union lending, or financial services.
• Experience analyzing business and personal financial statements, tax returns, and cash flow.
• Knowledge of commercial loan underwriting, portfolio review practices, and lending documentation.
• Awareness of the economic and market factors that influence commercial borrowers and lending risk.
• Experience supporting or interacting with member business accounts and commercial loan operations.

Work environmentphysical requirements

This role includes prolonged sitting/computer work, occasional standing/walking/bending, and lifting up to 15 pounds, with the ability to navigate credit union facilities and attend recruiting-related events as needed.

Ready to apply?

If you're the kind of professional who enjoys financial analysis, thoughtful risk assessment, and contributing to sound commercial lending decisions that support local businesses and the broader mission of the credit union, we'd love to meet you.

State Employees Credit Union offers a highly competitive benefits package

Applications must be received by Human Resources

State Employees Credit Union of New Mexico is an Equal Opportunity Employer

Equal Opportunity Employer, including disabled and veterans.