Commercial Credit Analyst

Are you passionate about business lending, financial analysis, and helping local businesses succeed? Join Dow Credit Union as a Commercial Credit Analyst and play a key role in supporting the growth of our commercial lending program while delivering exceptional services to our business members.

As a Commercial Credit Analyst, you'll work closely with our commercial lending team to analyze credit requests, evaluate financial performance, monitor loan portfolios, and support business members throughout their lending journey. This position offers the opportunity to make a meaningful impact while developing expertise in commercial underwriting, risk management, and relationship support.

This position earns a competitive minimum starting pay of $33.00 an hour. We provide terrific benefits
, including:

• quarterly and annual incentives
• medical
• dental
• vision
• a 401(k) plan
• paid holidays
• paid time off (PTO)

In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit. Two Dow employees heard about the credit union movement, and the rest is history. Today, we serve more than 84,000 members across all 50 states and in over 40 countries and have over $2.5 billion in assets.

Our goal has always been to serve our members to the best of our abilities and provide them with the best value for their money. Every day, we continually strive to improve our level of service by keeping our focus on our members.

In order to do this, we have to hire and retain loyal, team-oriented employees who have genuine care and concern for our members and conduct themselves with integrity and professionalism. That's why we offer competitive pay
, excellent benefits
, and a positive work culture
. We truly respect each other and actively encourage diversity, equity, and inclusion (DEI). We are an equal-opportunity employer.

• Analyze business and personal tax returns, financial statements, and credit reports to assess creditworthiness.
• Prepare comprehensive credit analyses and lending recommendations.
• Evaluate cash flow, collateral, loan structure, and repayment capacity.
• Conduct annual reviews and ongoing monitoring of business loan relationships.
• Monitor covenant compliance, collateral values, and portfolio performance.
• Assist with commercial real estate, business term loans, lines of credit, and business credit card underwriting.
• Support member inquiries and develop strong relationships with business members.
• Collaborate with Business Specialists and other teams to provide comprehensive financial solutions.
• Assist with audits, loan documentation reviews, and process improvements.
• Support compliance efforts and maintain regulatory and BSA/AML awareness.

• Bachelor's degree in business, Finance, Accounting, Economics, or a related field preferred.
• 3-5 years of experience in commercial credit analysis, underwriting, banking, accounting, or financial services.
• Strong financial statement and tax return analysis skills.
• Knowledge of commercial underwriting and risk assessment principles.
• Excellent analytical, organizational, and communication skills.
• Ability to manage multiple priorities while maintaining exceptional attention to detail.
• Commitment to delivering outstanding member service.

At Dow Credit Union, we are committed to helping people achieve financial success while creating a collaborative and supportive workplace for our team members. You'll have the opportunity to work with experienced lending professionals, build meaningful relationships with local businesses, and contribute to the continued growth of our commercial lending program.

Ready to grow your career in commercial lending?