Commercial Credit Analyst

CREDIT ANALYST

Commercial Alliance provides a comprehensive suite of lending services designed to help credit unions succeed with business members across six states. We are looking for an enthusiastic, self‑motivated professional to assist with credit.

• Assess credit worthiness of individuals and businesses seeking loans or credit lines.
• Analyze financial data, evaluate risk factors, prepare credit memo write‑ups, and provide recommendations regarding credit decisions.
• Review existing loans for financial performance and compliance with covenants and reassess risk ratings.
• Spread, review, and analyze financial statements, credit reports, collateral evaluations, and other relevant financial information of prospective borrowers. Prepare and underwrite credit presentations for recommendation.
• Receive direction from Credit Manager as to reviewing new loan deal packages.
• Evaluate the risk associated with extending credit to individuals or businesses based on factors such as income, debt levels, payment history, and market conditions.
• Ensure compliance with company credit policies and procedures when evaluating credit applications.
• Monitor the performance of existing credits, evaluate financial performance and covenant compliance, identify potential risks, and recommend appropriate actions per policy.
• Stay informed about industry trends, economic indicators, and regulatory changes that may impact credit risk.
• SBA underwriting or assistance with SBA programs or SBA packaging as LSP.
• Perform other duties as assigned.

• Bachelor’s degree in finance, accounting, economics, a related field, or equivalent related.
• Previous experience in credit analysis, financial analysis, or risk management.
• Strong analytical skills with the ability to interpret financial data, lease agreements, and contract documents.
• Knowledge of financial markets, accounting principles, and credit risk assessment techniques.
• Excellent communication and interpersonal skills.
• Attention to detail and ability to work independently.
• Familiarity with regulatory requirements and industry best practices in credit risk management preferred.
• Conversant with intermediate level accounting principals (cash/accrual basis, cost, and contractor), lending experience helpful.
• Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.
• Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to priority and time allocation.
• Proficiency in Microsoft Office applications Outlook, Teams, Excel, Word, PowerPoint.
• Preferred 2+ years commercial credit analysis experience.
• Preferred familiarity with Baker Hill, Abrigo or other LOS software.

Commercial Alliance offers exciting and challenging opportunities to work in a dynamic, collaborative, and innovative environment. As a part of our team you’ll enjoy our competitive salary and benefits packages. You’ll also encounter opportunities for both professional and personal growth, along with recognition and valuable experiences.