Sr. Commercial Credit Analyst

Why Westerra?

At Westerra Credit Union, we believe You Can Do Money. It is more than just a phrase. It is a mindset that shapes how we empower each other and our members to take control, grow, and thrive financially. Our culture is built on beliefs that guide how we show up every day. We focus on being member-obsessed, radically transparent, relentlessly collaborative, and always learning in motion.

These are not just words. They are the heart of everything we do. Inspired by our vision to Out-Love Every Bank in Colorado, we bring genuine care and dedication to every member interaction. Our mission to teach, guide, and ignite members to own their financial future drives us to create meaningful, personal connections.

This mission comes alive through our MX Code, which encourages us to anticipate needs, listen deeply with both heart and head, find the best total solution, mark the moment, and truly own the impact we make. This is how we translate our strategy into experiences that matter. When you join Westerra, you become part of a vibrant community where innovation, openness, and collaboration are not just ideals;

they are daily practices. Everyone is invited to bring their authentic selves, curiosity, and passion to the table. Together, we learn, grow, and thrive, committed to making a real difference for our members and one another. Because at Westerra, we do not just talk about money, we believe you can do money.

The Senior Commercial Credit Analyst (Senior CCA) is responsible for conducting comprehensive financial analyses on prospective borrowers and commercial credit requests. This includes the collection, interpretation, and evaluation of business, commercial real estate, and personal financial information to assess credit quality, evaluate repayment capacity, and support sound lending decisions. The SENIOR CCA plays a key role in identifying and mitigating risk, helping to protect the Credit Union from potential loss.

The Senior CCA is primarily focused on underwriting new commercial credit requests and other assigned credit transactions. This position is expected to independently manage a high volume of complex underwriting assignments, exercise sound credit judgment, and prepare thorough and well-supported credit recommendations for presentation to the appropriate approval authority. The SENIOR CCA also serves as a resource to other analysts by providing guidance, mentoring, and feedback to promote consistency and quality throughout the underwriting process.

• Accurately and efficiently spread and analyze business and personal financial statements and tax returns to assess creditworthiness, repayment capacity, and overall financial strength.
• Perform comprehensive analysis of commercial real estate and business credit requests, including cash flow, service coverage, financial trends and ratios, industry considerations, guarantor support, collateral adequacy, and other relevant credit factors.
• Clearly articulate the loan purpose, sources of repayment, key risks and mitigants, loan policy exceptions, and the adequacy of loan structure and collateral. Complete and assign appropriate risk ratings for assigned credit requests.
• Prepare comprehensive and well-supported credit approval packages for submission to the Loan Committee and other approval authorities in a timely manner.
• Evaluate proposed loan structures and recommend terms and conditions that appropriately balance member needs with the Credit Union's risk tolerance and lending policies.
• Collaborate with Commercial Loan Officers and Credit Administration throughout the underwriting process to identify credit strengths and weaknesses, address underwriting questions, and develop appropriate solutions for complex credit requests.
• Identify material risks, adverse trends, industry concerns, collateral issues, and other factors that may affect the credit quality or repayment capacity of prospective borrowers and clearly communicate findings and recommendations.
• Ensure full compliance with all applicable commercial lending laws, banking regulations, and internal credit policies by maintaining up-to-date knowledge and applying best practices.
• Stay informed on external economic and industry trends that may affect credit risk, borrower performance, and commercial lending decisions.
• Participate in department-wide initiatives, including internal and external audits, system enhancements, and the selection and implementation of new credit…