Commercial Credit Analyst

Our client, a long established credit union on the Connecticut shoreline, is seeking a Senior Commercial Credit Analyst to join its commercial lending team. This role is responsible for underwriting and reviewing commercial lending relationships, with a focus on larger and more complex credits. The position also plays an important role in portfolio reporting, risk management, and mentoring junior analysts.

This is an excellent opportunity for a credit professional who enjoys analytical work, collaboration with lending teams, and helping strengthen underwriting processes.

• Opportunity to work on complex commercial credits.
• Visible role supporting loan quality, portfolio oversight, and credit risk management.
• Chance to mentor junior analysts and help improve underwriting processes.
• Position with a well established credit union serving the Connecticut shoreline market.

• Collaborate with Loan Officers to organize and track financial documentation throughout the underwriting process.
• Maintain quality credit files to support smooth audits and third party regulatory reviews.
• Evaluate the financial condition of complex commercial entities, with a focus on debt service, collateral support, and overall risk assessment for both Commercial and Industrial and Commercial Real Estate Loans.
• Validate that all loan requests align with established lending policy, documenting specific risks and recommending appropriate risk ratings.
• Interface directly with borrowers and accountants to clarify financial data and support underwriting requirements.
• Complete annual reviews for existing commercial borrowing relationships in accordance with loan policy parameters.
• Manage portfolio data for monthly and quarterly reporting and assist with external loan review processes.
• Mentor junior analysts by providing guidance and technical assistance.
• Identify efficiencies in underwriting workflows and develop tools to enhance portfolio management.

• Knowledge of tax return analysis, financial statement analysis, and sound credit skills
• At least three years of related experience and/or training, or an equivalent combination of education and experience.
• Strong knowledge of Word, Excel, loan software, and data center software.
• Experience with Loan Vantage is desired.

This is an 5 day on-site role in Essex, CT. The salary range is $100,000 - $125,000 annually.