Analyst - Commercial Loan Credit

Commercial Loan Credit Analyst Position Summary

The Commercial Loan Credit Analyst will analyze and underwrite commercial loan requests and perform periodic reviews of 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. The role involves analyzing commercial loan applications, preparing credit approval packages, assessing risk, maintaining compliance, and recommending loan approval decisions.

The analyst must communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union and uphold fair lending practices. With a significant financial impact, the 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.

• 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 such as amortization, covenants, guarantees, collateral positioning, and coverage assessments.
• Conducts financial spreading, cash flow analysis, probability of default considerations, using internal credit tools.
• Prepares clear, accurate, and well‑supported credit approval memoranda, presenting key risks, mitigants, collateral evaluation, and recommended loan structures.
• Performs periodic and annual reviews to assess borrower performance, covenant compliance, collateral sufficiency, and ongoing repayment capacity.
• Engages across the full loan lifecycle—origination, underwriting, closing, renewals, modifications, and ongoing monitoring—collaborating with business development teams, loan officers, and stakeholders to structure loan solutions that meet member needs while mitigating credit risk.
• Streamlines underwriting workflows by identifying opportunities for process improvements, documentation efficiencies, and standardized practices.
• Assists in preparing risk rating updates, audit responses, and documentation supporting regulatory exams.
• Meets target metrics 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 TCUD regulatory guidance, SBA standards, and other relevant regulatory frameworks.

• Education: Bachelor's degree in finance, business, or related field.
• Experience: Formal credit training is highly preferred.
• Lifetime
  
  Experience:
  
  At least three years of proven experience in the commercial lending industry, including hands‑on expertise in commercial credit analysis and underwriting.
• Knowledge, Skills, and Abilities: Commercial lending expertise (underwriting commercial loans, including C&I and real estate (incl. construction)), credit analysis skills (financial statements, credit reports, collateral), regulatory knowledge (credit union policies, regulations), portfolio management, communication skills, and process improvement experience.

• Stand, walk, and sit frequently.
• Close and distance vision required; ability to adjust focus.
• Work noise level usually moderate.
• Hybrid work arrangement: three days of on‑site work at the Houston, TX corporate office.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non‑discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state or local law.

Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.