Commercial Credit Analyst

At Voyage, we’re on a mission to create meaningful impact through committed service and uncomplicated solutions. Our team lives by the values of
TRAVEL
– embodying
Teamwork
, building lasting
Relationships
, staying adaptable with
Agility
, embracing the
Voyage
to new opportunities, upholding unwavering
Ethics
, and inspiring
Leadership
at every level.

If you're passionate about making a difference, thrive in a collaborative and agile environment, and are ready to take the lead in shaping unique, impactful experiences, then we invite you to set sail with us! Come aboard and be part of a journey that truly counts.

Voyage FCU is looking for a
Commercial Credit Analyst
to join our team! This position is lending and credit analytical in nature and does not serve as a business systems analyst, IT analyst, or software support role.

The Commercial Credit Analyst is responsible for analyzing, underwriting, and monitoring commercial and member business loan relationships. This position evaluates the financial strength and creditworthiness of businesses and guarantors through detailed analysis of financial statements, tax returns, cash flow, collateral, industry risk, and repayment capacity. The Commercial Credit Analyst provides independent credit recommendations and ongoing portfolio monitoring to support safe and sound lending practices while ensuring compliance with credit union policies and regulatory requirements.

• Analyze commercial loan requests including term loans, lines of credit, commercial real estate loans, construction loans, equipment financing, and other business credit facilities.
• Spread and analyze business and personal financial statements and tax returns.
• Evaluate historical and projected cash flow, debt service coverage, leverage, liquidity, and profitability.
• Assess guarantor strength through global cash flow analysis and contingent liability reviews.
• Review guarantor credit reports and identify repayment risks and trends.
• Evaluate collateral values and lending structure to ensure compliance with loan policy.
• Prepare written credit presentations, credit memorandums, and loan recommendations for management and loan committee review.
• Identify strengths, weaknesses, risks, and mitigating factors within each credit loan request.
• Assign and maintain internal risk ratings in accordance with approved lending policy.
• Conduct annual reviews and ongoing monitoring of assigned business loan relationships.
• Track covenant compliance and reporting requirements.
• Monitor loan performance, collateral values, and industry trends.
• Identify deteriorating credits and recommend corrective actions.
• Assist with problem loan monitoring and workout strategies when necessary.
• Maintain accurate portfolio risk reporting and documentation.

• Ensure underwriting files contain complete and accurate financial analysis.
• Verify adherence to Voyage Federal Credit Union lending policies and procedures.
• Maintain compliance with NCUA regulations and applicable commercial lending requirements.
• Support internal and external audits, examinations, and quality control reviews.
• Maintain strong documentation standards and credit file integrity.

• Collaborate with Business Services Officers and lending staff to structure loan requests appropriately.
• Provide credit expertise and guidance on complex business loan relationships.
• Participate in ongoing training and professional development opportunities.
• Assist with special projects related to business lending and portfolio management.

• Associate’s or Bachelor’s degree in Business, Finance,…