Hybrid Commercial Loan Credit Analyst

Position Title: Commercial Loan Credit Analyst

Reporting Manager Title: Director-Commercial Fulfillment & Operations

FLSA Status: Exempt

Work Arrangement: Hybrid

Date Created: 7/2025

Date Revised: 3/2026

Created By: Anita Kendrick

Position Summary:

The Commercial Loan Credit Analystwillanalyze and underwrite commercial loan requests, as well asperformperiodic reviewsof existing loans. This includes commercial conventional loans, commercial real estate loans,participation loans, and government-guaranteed loans, ensuring compliance with credit union policies, industry standards, and regulations.

This role involves analyzing commercial loan applications,preparing credit approval packages,assessing risk,maintaining compliance, andrecommendingloan approval decisions. Thisrolemust communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union and uphold fair lending practices.

With a significant financial impacton the organization, this role evaluates the financial implications of commercial credit decisions and portfolio trends while navigating complex loan structures and collaborating with stakeholders to mitigate associated risks.

Essential Duties and Responsibilities:

• Performs thorough underwriting of commercial loan applications by analyzing borrower financial statements, tax returns, rent rolls, operating statements, business plans, guarantor strength, and industry conditions,ensuring the production of high-quality, detailed credit approval documents with identified credit risks.

• Exercises independent credit judgment on complex commercial transactions, including structuring terms (amortization, covenants, guarantees, collateral positioning and coverage assessments).Conducts financial spreading,cashflow analysis,probabilityofdefaultconsiderations, using internal credit tools.

• Prepares clear,accurate, andwellsupported credit approval memoranda , presenting key risks, mitigants, collateral evaluation, and recommended loan structures.

• Performs periodic and annual reviews toassess borrower performance, covenant compliance, collateral sufficiency,andongoingrepaymentcapacity.

• Engages across thefull loan lifecycle-origination, underwriting, closing, renewals, modifications, and ongoing monitoring.
  
  Collaborates with business development teams, loan officers, and key stakeholders to structure loan solutions that meet member needs while mitigating credit risk.

• Streamlines underwriting workflowsbyidentifyingopportunities for process improvements, documentation efficiencies, and standardized practices.

• Assistsin preparingriskratingupdates, audit responses, and documentation supporting regulatory exams.

• Meets targets for productivity, quality, and borrower satisfaction

• Participates in project management efforts for underwriting initiatives, ensuring timelines, deliverables, and cross-functional alignment.

• Supports strategic initiatives aimed at improving credit quality, operational efficiency, and organizational growth.

• Ensures all credit actions comply with internal policy, NCUA and TCUDregulatoryguidance
  
  SBA standards, and other relevant regulatory framework.

Minimum Qualifications:** **

Education:

• Bachelor’s degree in finance, business, or related field.

• Formal credit training is highly preferred

Licensure:

• At least three years of proven experience in the commercial lending industry, including hands-onexpertisein commercial credit analysis and underwriting.

Knowledge, Skills, and Abilities:

• Commercial Lending Expertise:
  
  Experience in underwriting commercial loans, including Commercial & Industrial (C&I) and Real Estate loans(to include construction).

• Credit Analysis
  
  Skills:
  
  Proficiency in analyzing financial statements, credit reports, and collateral to assess risk and creditworthiness.

• Regulatory Knowledge:
  Familiarity with credit union policies, regulatory requirements, and compliance standards related to commercial lending.

• Portfolio Management:
  Experience in monitoring and managing commercial loan portfolios,identifying risks, and implementing strategies for improvement.

• Communication
  
  Skills:
  
  Strong ability to collaborate with stakeholders, including loan officers, legal teams, and borrowers, to structure loans and…