Credit Analyst

2723 LeMay Blvd, EAFB/Box Elder | Full-Time (40 hours/week)

Looking for a stable, meaningful career where your analytical skills can make a direct impact on the financial health of members, businesses, and the Credit Union? You might be just who we need.

Sentinel Federal Credit Union is hiring a detail-oriented and analytical Credit Analyst to join our Lending team. This role works closely with Commercial and Agricultural Loan Officers to evaluate new and existing credit relationships, assess risk, and provide recommendations that support sound lending decisions.

If you enjoy analyzing financial information, solving complex problems, and contributing to meaningful business decisions, this may be the right opportunity for you.

This position offers the opportunity to develop expertise in commercial and agricultural lending, collaborate with experienced lending professionals, and contribute to the overall success of the Credit Union while working for an organization that values teamwork, stability, and promoting from within.

• $23.10 - $26.00/ hour DOE

At Sentinel, our core values are what guide how we work, support one another, and serve our members. As an organization, we are Sentinel STRONG, and in this role, you will help promote those values every day.

• Serve by providing thorough, timely credit analysis and recommendations that support informed lending decisions and a positive member experience.
• Trust by delivering accurate, consistent, and well-documented analyses that lenders and leadership can rely on when evaluating credit opportunities.
• Respect by collaborating effectively with lenders, members, and team members while communicating clearly and professionally.
• Ownership by taking responsibility for the quality, accuracy, and timeliness of your analyses and recommendations.
• Nimble by adapting to varying loan complexities, changing market conditions, and evolving regulatory requirements while exercising sound judgment.
• Guardianship by protecting the Credit Union's financial health through thoughtful risk assessment, policy compliance, and responsible lending practices.

We invest in our people—because when our employees thrive, our members do too.

• Medical, Dental & Vision Insurance
• Dependent Care & Medical Flex Spending Accounts
• Life Insurance & Long-Term Disability
• Employee Assistance Program (EAP)

• 3 weeks of paid time off per year
• Paid holidays & personal days
• Paid volunteer hours
• Inclement weather pay

• Paid professional development and networking opportunities
• Mentorship program
• Professional book reimbursement
• Strong commitment to internal promotion and career growth

• Analyze commercial and agricultural loan requests and prepare detailed credit presentations and recommendations
• Gather, consolidate, and evaluate financial information to assess borrower creditworthiness and identify potential risks
• Prepare written credit memorandums, analyses, and recommendations for new and existing credit relationships
• Monitor loan covenant compliance, financial reporting requirements, and borrowing base certificates to ensure timely follow-up
• Collaborate with Commercial and Agricultural Loan Officers to discuss credit opportunities, verify information, and develop lending solutions
• Participate in loan structuring discussions, risk reviews, audits, examinations, and stress testing activities
• Assist with loan closing activities and support the overall commercial lending process
• Maintain compliance with lending policies, regulations, and underwriting requirements while protecting confidential information

• At least 18 years old
• High School Diploma, GED, or equivalent…