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Commercial Credit Analyst

Commercial Credit Analyst

Signal Financial Federal Credit UnionKensington, MD, USA
30+ days ago
Job type
  • Full-time
  • Quick Apply
Job description

Position Description

This role plays a critical part in the credit decision-making process by delivering objective, well-supported financial analysis, and ensuring accurate reporting and documentation across all loan files. The ideal candidate will have a solid foundation in financial statement analysis, credit risk assessment, and commercial lending fundamentals, along with excellent communication skills and a commitment to accuracy and objectivity.

Position Responsibilities

  • Credit Analysis & Risk Assessment :

Independently analyze the creditworthiness of commercial borrowers and guarantors.

  • Assess the adequacy of proposed or existing collateral and evaluate marketability and enforceability.
  • Identify and quantify the level of risk associated with new loan requests and existing loans.
  • Perform detailed financial analysis, including :

    • Cash flow modeling

  • Financial ratio and trend analysis
  • Debt service coverage evaluation
  • Working capital and liquidity assessment
  • Provide unbiased, data-driven risk rating recommendations for each borrower relationship.
  • Documentation & Reporting :

    • Prepare clear and concise credit memos and loan presentations for Commercial Loan Officers and approval committees.

  • Review and / or validate the third-party review of appraisals for commercial real estate collateral.
  • Ensure quality control over :

    • Loan documentation completeness and accuracy

  • Loan file organization and audit readiness
  • Data integrity in the core loan system
  • Accurate loan reporting systems and tracking tools

    • Position Requirements

  • Bachelor's degree in finance, accounting, economics, business administration, or a related field.
  • 1-3 years of experience in commercial credit analysis, commercial lending, or financial services.
  • Strong understanding of financial statement analysis, commercial loan structures, and credit risk assessment.
  • Proficiency in spreadsheet modeling with Microsoft Excel and financial software tools.
  • Exceptional attention to detail, critical thinking, and problem-solving skills.
  • Ability to present complex financial information clearly in both written and verbal formats.
  • High level of accuracy and integrity when handling sensitive credit information.

    • Preferred Attributes

  • Familiarity with NCUA commercial lending guidelines and credit union MBL practices.

    • We are proud to be an Equal Employment Opportunity (EEO). Signal Financial Federal Credit Union does not discriminate against any applicant or employee based on race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by federal, state, or local laws.

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    Credit Analyst • Kensington, MD, USA