Commercial Credit Analyst

As a Commercial Credit Analyst at Embers, you help turn opportunity into responsible growth by providing the thoughtful analysis that supports sound lending decisions. Working closely with Commercial Loan Officers and the Credit Administration Manager, you bring clarity to complex financial information and help ensure our commercial lending relationships remain strong, healthy, and well-supported. Your work protects the Credit Union while helping local businesses access the financing they need to grow, creating confidence for members, teammates, and the communities we serve.

Analyze Financial Strength - Review financial statements, tax returns, credit information, and supporting documentation to understand the overall health of commercial borrowing relationships. Your insights help identify opportunities, uncover risks, and support informed lending decisions.

Evaluate Credit Risk - Interpret financial trends, ratios, collateral positions, and borrower information to assess creditworthiness. You help balance growth with sound risk management while supporting high-quality lending outcomes.

Build Clear Recommendations - Transform financial analysis into concise, meaningful credit presentations and recommendations. Your ability to tell the story behind the numbers helps decision-makers confidently evaluate new and existing credit relationships.

Partner Across Lending - Work closely with Commercial Loan Officers and Credit Administration to keep deals moving efficiently and communicate progress throughout the underwriting process. Collaboration and responsiveness help create a seamless experience for both members and teammates.

Support Portfolio Health - Proactively complete annual credit reviews, loan renewal analyses, and ongoing portfolio monitoring activities. By staying ahead of changing conditions, you help maintain strong credit quality and long-term relationship success.

Embrace Growth & Adaptability - Stay current on technology, industry trends, regulatory expectations, and evolving department priorities. Whether learning new systems or assisting where needed, you contribute to a culture of continuous improvement and shared success.

• Delivers accurate, timely, and thoughtful credit analysis that supports sound lending decisions and strong portfolio quality.
• Builds trusted partnerships with teammates through proactive communication, collaboration, and a willingness to support shared goals.
• Demonstrates sound judgment while consistently adhering to regulatory requirements, policies, and established lending practices.
• Maintains confidentiality, professionalism, and trust in every member, borrower, and teammate interaction.
• Continuously seeks opportunities to improve processes, expand knowledge, and contribute to the success of the Commercial team and Embers as a whole.
• Assumes responsibility for other related duties as required or assigned.

• Bachelor’s degree in related field or equivalent knowledge and skills gained through experience.
• 1+ years of experience in commercial credit analysis, lending, banking, or related financial services experience.
• Experience supporting commercial lending or credit administration functions.
• Familiarity with commercial underwriting practices, collateral analysis, and credit risk assessment.
• Understanding of various business entity structures and financial reporting methods.

• Curiosity and a desire to understand the story behind the numbers.
• Strong analytical thinking paired with sound judgment.
• Effective written and verbal communication skills.
• Organization and attention to detail in a fast-paced…