Commercial Credit Analyst

Job Title : Commercial Credit Analyst Position Summary We’re seeking a detail-oriented Commercial Credit Analyst to support our business lending team. This role is responsible for evaluating creditworthiness, analyzing financial statements, and assisting in the underwriting and monitoring of commercial loans. The ideal candidate has strong financial acumen, excels in data analysis, and works well in a fast-paced, team-oriented environment. Key Responsibilities Analyze financial statements, tax returns, and cash flows to assess borrower risk. Prepare credit memos and risk assessments for new applications, renewals, and modifications. Develop financial models and spreadsheets to support lending decisions. Conduct annual reviews and track financial reporting requirements. Work closely with lending officers to gather borrower information and clarify credit requests. Order and review third-party reports (e.g., credit, appraisal, environmental). Ensure compliance with internal policies, lending guidelines, and regulatory requirements. Maintain accurate loan files and ensure timely document collection and storage. Support SBA loan packaging and documentation as needed. Qualifications Bachelor’s degree in Finance, Accounting, or related field. 2–5 years of experience in commercial credit analysis, underwriting, or business lending. Strong knowledge of financial ratios, leverage metrics, and risk analysis. Advanced Excel skills; experience with financial modeling preferred. Excellent communication, organizational, and time-management skills. Detail-oriented with the ability to handle multiple deadlines effectively. Additional Info Office-based role with standard business hours. Requires regular use of computer systems and attention to detail in data analysis. This is an at-will position; responsibilities may evolve with business needs.