Commercial Credit Analyst

Job Description

Job Description

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.

Key Responsibilities

• 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 & Skills

Why is This a Great Opportunity

This is more than a financial analyst role — it’s 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.

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