Credit Analyst

Full-Time | Remote | Commercial Credit Focus

Chaston Associates, a leading provider of independent loan review and credit risk advisory services, is seeking a Credit Analyst to support our expanding portfolio of bank and credit union clients. This role is ideal for an experienced credit professional who can independently analyze complex commercial relationships and apply risk ratings with sound judgment.

• Perform independent credit analysis of commercial loan files across CRE, C&I, and Construction portfolios.
• Assess borrower financial performance, global cash flow, guarantor strength, and collateral adequacy.
• Assign and validate risk ratings using client-specific methodologies while maintaining independence.
• Identify underwriting weaknesses, policy exceptions, and emerging risk trends within portfolios.
• Analyze DSCR, LTV, borrowing base structures
  , and sensitivity to stress scenarios.
• Document findings clearly in written work papers and contribute to formal loan review reports.
• Work closely with Team Leaders to ensure consistency, quality, and adherence to engagement timelines.

• 5–10+ years of commercial credit experience (bank, credit union, or consulting environment).
• Strong hands-on experience analyzing CRE, C&I, and Construction loans
  .
• Demonstrated ability to risk rate credits independently (not just spreading financials).
• Solid understanding of commercial loan structures, financial statement analysis, and cash flow modeling
  .
• Familiarity with regulatory expectations (OCC, FDIC, NCUA) and loan review best practices.
• Strong written communication skills with attention to detail.
• Ability to work remotely and manage workload across multiple engagements
  .

• Prior loan review or credit risk consulting experience
  .
• Experience with criticized/classified assets and workout scenarios.
• Exposure to CECL concepts and portfolio-level risk analysis.
• Bachelor’s degree in Finance, Accounting, or related field.
• Salary range
  : $85,000 to $100,000, commensurate with experience
• Eligibility for discretionary bonus program
• Profit-sharing 401(k) plan
• Medical, dental, vision, and long-term disability insurance available