Commercial Credit Analyst

Works with the Commercial Credit Manager to help assess the credit worthiness of customers and loan risk. Responsible for the loan underwriting and creation of credit approval packages, annual reviews, and making recommendations regarding loan approval.

• Prepare written credit memorandums to be provided to senior management and loan committee on all new loans, renewals, extensions, and modifications relative to financial strengths and weaknesses of borrowers, risk assessments, strength of guarantors, industry analysis and collateral and loan structures with opinions as to credit worthiness.
• Review documentation provided by the Commercial Lenders for accuracy and completion.
• Perform the credit analysis of new and existing loans to evaluate the credit worthiness of individuals and businesses and the short and long-term prospects of loan repayment and the overall credit risk of the loan.
• Work with Lenders to create loan approval packages, renewals, modifications, and extensions.
• Order appropriate reports and provide industry and other research information as necessary.
• Make joint business calls with Commercial Lenders.
• Complete additional Commercial Loan Origination tasks.
• Maintain a thorough knowledge of the Credit Union’s lending programs, policies, and procedures.
• Maintain strict adherence to regulatory requirements and ensure conformity with all federal and state compliance policies.

• Bachelor degree in Accounting, Finance, or related field of study
• Specialized bank lending education/training
• Full understanding of regulatory laws, rules, interpretations, and guidance
• Ability to interpret policies and procedures, analyze complex problems and adopt an effective course of action

$64,000-$85,000

• Entry level

• Full-time

• Finance and Sales

• Banking

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