Commercial Credit Analyst

Job description:

Are you a detail-oriented financial analyst with a passion for commercial lending? We are seeking a talented Commercial Credit Analyst to join a dynamic lending team. This role offers the opportunity to make a real impact by assessing the creditworthiness of commercial borrowers, supporting business growth, and contributing to a member-focused financial culture.

• Analyze financial statements, tax returns, bank statements, and cash flows to assess creditworthiness of commercial borrowers.
• Review and prepare credit files in collaboration with Commercial Relationship Officers (CROs).
• Exercise prudent lending judgment to recommend approval, denial, or modification of loan transactions.
• Develop and maintain spreadsheets, financial models, and reports to support credit analysis.
• Conduct annual reviews of Member Business Loans and ensure compliance with federal and state regulations.
• Prepare loans for SBA submission and ensure proper documentation of appraisals, environmental reports, and other required materials.
• Present analysis, findings, and recommendations to management regarding borrower risk and repayment capacity.
• Track loan applications, documentation, and annual reviews from application to closing.
• Maintain professional relationships with members, business contacts, and internal teams, providing outstanding service and support.
• Participate in special projects and assist branches or related departments as needed.

Qualifications:

• Bachelors degree in Finance, Accounting, or a related business field. Additional coursework in business or lending is a plus.
• 23 years of loan or commercial credit experience, with strong quantitative skills.
• Proficiency in MS Office; experience with financial modeling and data analysis.
• In-depth understanding of financial statements, ratios, leverage, and credit assessment.
• Excellent written and verbal communication skills; professional, detail-oriented, and able to manage competing deadlines.
• Strong service-oriented mindset and ability to collaborate effectively with colleagues and members.
• Positive attitude, community-oriented, and committed to a culture of care and excellence.

Why is This a Great Opportunity:

This is more than a financial analyst role its an opportunity to support local businesses, contribute to community growth, and be part of a collaborative, member-focused team. You will play a key role in evaluating credit risk, facilitating sound lending decisions, and helping businesses thrive. With a competitive salary, sign-on bonus, and professional growth opportunities, this position is perfect for analytical professionals who want to make an impact.