Commercial Credit Analyst

*** This position fully remote, but must be in the Knoxville area***

*** Only candidates close to the area will be considered***

Glades Recruiting Group is excited to partner with MBL Solutions to support the continued growth of their credit advisory team. MBL Solutions works closely with credit unions and community banks across the country, delivering thoughtful underwriting support, cash-flow analysis, and portfolio review services rooted in integrity, clarity, and responsible lending.

As their team continues to expand, we are seeking a Commercial Credit Analyst who is passionate about financial analysis, cash-flow modeling, and contributing to high-quality credit decisions that strengthen both institutions and the communities they serve. This is an excellent opportunity to join a collaborative, mission-driven firm where your work will have a direct and meaningful impact.

MBL Solutions partners with credit unions and community banks to strengthen commercial lending programs through thoughtful, precise credit analysis. We believe every loan has a story, and we work with clarity, integrity, and care to help our partners lend responsibly while supporting the communities they serve.

The Commercial Credit Analyst supports underwriting, portfolio review, and credit advisory work for a wide range of commercial and real estate loans. A central part of this role is cash flow modeling—including borrower analysis, global cash flow evaluation, stress testing, and collateral-based income modeling. You will prepare credit memorandums, evaluate financial trends, review collateral documentation, and collaborate closely with the Chief Credit Officer and client institutions to deliver clear, data-driven recommendations.

We are a mission-driven, high-integrity team committed to responsible lending and community impact. You will work closely with experienced credit professionals, gain exposure to diverse loan types, and contribute to meaningful credit decisions across the country.

• Primarily remote work (company equipment provided).
• Monthly in-person meetings for local candidates (paid travel time).
• Opportunities to work with credit unions and community banks nationwide.
• A team culture grounded in integrity, clarity, and professional growth.
• 3% 401(k) match after probationary period.
• 10 days PTO plus federal holidays after probationary period.

• Analyze financial statements, tax returns, and borrower documentation to assess repayment capacity and cash flow strength.
• Perform detailed cash flow modeling, including global cash flow, DSCR, sensitivity analysis, and guarantor-level evaluations.
• Prepare structured loan presentations and credit memorandums summarizing strengths, weaknesses, and overall risk.
• Review property appraisals, rent rolls, and operating statements to confirm valuation accuracy and collateral performance.
• Evaluate market conditions, comparable properties, and key trends affecting credit decisions.
• Support senior credit staff with loan structuring, due diligence, and data validation.
• Participate in portfolio and loan review engagements, identifying emerging risks and documentation gaps.
• Maintain accuracy, consistency, and quality across all underwriting deliverables.

• Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience).
• 2+ years of experience in commercial credit analysis, underwriting, or loan review preferred.
• Strong proficiency in cash flow analysis and financial modeling, including global cash flow for multi-entity borrowers.
• Solid understanding of financial statements, commercial real estate lending, and credit risk principles.
• Proficiency with Microsoft Excel (formulas, templates, cash flow models) and Word.
• Excellent written and verbal communication skills with an ability to clearly present complex findings.
• High attention to detail, strong analytical problem-solving ability, and a collaborative mindset.

Pay range is determined by skills and experience.