Commercial Credit Analyst

Commercial Credit Analyst – Pima Federal Credit Union, Tucson, AZ

Pima Federal Credit Union of Tucson, AZ is looking to hire a full-time Commercial Credit Analyst. Do you have a strong work ethic, a positive outlook, and share in the credit union philosophy of "people helping people"? Do you have commercial lending experience and are interested in building your career with a stable, growing, and respected financial institution that offers opportunities for professional growth and advancement?

Do you love helping your members and want to do so in a culture of teamwork and integrity?

Our Commercial Credit Analyst is responsible for supporting the Commercial Lending Department to underwrite new commercial real estate loan originations, complete timely annual reviews of existing commercial real estate loans, and develop and update timely reports specific to the commercial lending portfolio. Collaborate closely with commercial lenders and other credit union teams to maintain a high-quality commercial loan standards in alignment with the mission, vision, and shared values of the credit union.

Job duties include evaluating financial statements, historical trends, projections, management performance, industry conditions, cash flow, capital structure, and collateral. The Commercial Credit Analyst will prepare, review, and analyze the creditworthiness of commercial loan applications, renewals, and modifications while ensuring loan requests comply with lending policies and regulatory guidelines. This role partners closely with commercial lenders to structure loan requests and obtain necessary documentation.

Attention to detail is critical as the analyst monitors loan performance, supports credit reviews, and assists in preparing credit presentations for internal review. In addition, the role supports the day-to-day operations of the Commercial Lending Department.

• Bachelor's degree in business, finance, accounting, or related field; equivalent work experience will be accepted in lieu of a degree.
• Three or more years of applicable work experience in the financial services industry.
• Basic understanding of accounting, tax returns, and financial statements.
• Intermediate level proficiency with computers and software applications including Microsoft Word and Excel.
• Two years of commercial lending experience preferred.

As a full-time employee, you are eligible for Pima Federal's robust benefits package including:

• Insurance:
  • Medical, dental, and vision – each benefit has a generous contribution from the credit union
  • 100% company-paid life insurance, short-term disability, long-term disability, and employee assistance program (EAP)
  • Access to other products such as two flexible spending account (FSA) options, critical illness insurance, accident coverage, and buy-up options on life insurance
• Retirement
  • 401(k) plan with company match
  • 100% company-funded pension plan

Generous paid time off policies, including 11 paid holidays. Tuition Reimbursement. Access to on-demand pay and one-on-one financial planning. An award-winning wellness program. Access to an on-site car repair service.

In addition, you'll be part of Pima Federal's engaging culture, which includes employee appreciation events, paid volunteer time, and a healthy work-life balance. We are proud to have been recognized as a Top Workplace 2024!