Commercial Credit Analyst

Are you a numbers-driven problem solver who enjoys digging into financial details and turning data into meaningful insights? Do you take pride in accuracy, organization, and supporting smart lending decisions? If so, we’d love to meet you!

At Superior Choice Credit Union
, our Credit Analysts are more than financial reviewers. They are trusted partners, risk assessors, and key contributors who help support responsible commercial lending decisions for our members and communities.

This is a fully remote position. Candidates must reside in the Twin Cities, Twin Ports, or surrounding areas. Occasional travel may be required for meetings, training, team events, and other business-related needs.

As a Commercial Credit Analyst, you’ll work closely with lenders to evaluate commercial credit requests, assess risk, and provide clear, accurate analysis that supports thoughtful lending decisions.

• Analyze financial statements, tax returns, cash flow reports, and credit reports to assess the strength of commercial credit requests
• Perform detailed commercial credit analysis to determine alignment with credit union lending policies and risk standards
• Prepare clear, thorough, and concise credit presentations and recommendations for lending decisions
• Monitor loan collateral, valuations, inspections, and covenant compliance
• Support lenders with portfolio management and ongoing credit monitoring
• Prepare and maintain reports related to borrowers' financial performance and credit obligations
• Collect, review, and organize financial information from business members
• Update and maintain credit and loan systems with accurate data entry and reporting
• Assist with problem loan administration and special projects as needed
• Represent SCCU's mission of improving the financial well-being of our members

You enjoy analyzing financial information and turning complex details into clear recommendations. You’re dependable, detail-oriented, and comfortable collaborating with lenders, members, and internal teams.

• Minimum of 2 years of commercial credit analysis experience required
• Experience in commercial credit analysis, commercial underwriting, commercial lending, business banking, or a related field
• Strong understanding of commercial financial statements, tax returns, cash flow analysis, debt service coverage, and credit risk assessment
• Experience with Sageworks is strongly preferred
• Must reside in the Twin Cities, Twin Ports, or surrounding areas and be able to travel occasionally as needed
• Highly organized, detail-oriented, and committed to accuracy
• Ability to communicate complex financial concepts clearly and professionally
• Strong time management skills with the ability to manage multiple priorities and deadlines
• Proficient with Microsoft Office and financial analysis software
• Able to work independently while collaborating effectively with lenders and team members

• Have experience working with commercial or business lending portfolios
• Are skilled at identifying potential risks and offering proactive solutions
• Enjoy building relationships with internal teams and supporting lenders
• Thrive in a fast-paced environment where no two days are exactly the same

• Accurate, thorough credit analysis that supports strong lending decisions
• Well-prepared credit presentations that clearly communicate risk and opportunity
• Timely and compliant reporting on credit activity and loan performance
• Strong collaboration with lenders and internal partners
• Maintaining high standards of confidentiality, professionalism, and service

At Superior Choice Credit Union, we’re more than a financial institution. We’re a team of people who genuinely care about our members, our communities, and each other.

When you join SCCU, you’ll find meaningful work that impacts our members’ lives, opportunities for professional growth and development, a supportive team environment, and a culture built on service, teamwork, and community involvement.

Every analysis tells a story. One moment you’ll be reviewing financial statements, and the next you’ll be helping lenders make informed decisions that support local businesses and strengthen financial futures.