Commercial Credit Analyst

Overview

This role supports Underwriters in managing credit risk for Small Business Lending, LLC. Responsibilities include accurately spreading borrower financial information, preparing initial and modified credit workbooks, and assisting with the development of credit memorandums to ensure financial data is complete, accurate, and well-organized to support lending decisions.

Responsibilities

• Assist Underwriters in analyzing and managing credit risk by preparing high-quality financial spreads and credit documentation.
• Spread borrower tax returns and internal financial statements using designated spreading software and Microsoft Excel.
• Prepare and complete assigned sections of credit memorandums for Underwriter review, including business and personal credit reports, bank and merchant statements, and all required financial spreads.
• Prepare full credit memorandums for SBA microloan requests in accordance with internal policies and SBA guidelines.
• Review and analyze tax transcripts to validate borrower-reported financial information.
• Pull and compile due diligence reports, including RMA industry data, NHRA reports, and business and personal credit reports.
• Ensure accuracy, consistency, and completeness of all financial and credit-related documentation prior to submission.
• Maintain organized electronic credit files and supporting documentation.
• Communicate effectively with Underwriters and other internal stakeholders regarding credit file requirements, findings, and follow-up items.
• Perform other related duties and projects as assigned.

Knowledge, Skills, and Abilities

• Strong proficiency with Microsoft Office products, particularly Excel and Word, with the ability to work efficiently with financial data and templates.
• High level of computer literacy and ability to learn and utilize financial spreading and credit analysis software.
• Strong analytical skills with attention to detail and accuracy.
• Effective organizational and time-management skills, including the ability to manage multiple priorities and deadlines.
• Clear verbal and written communication skills, including the ability to present financial information concisely and logically.
• Sound judgment and decision-making abilities when reviewing financial and credit information.
• Ability to establish and maintain effective working relationships with internal team members and external partners.

Education & Certification Requirements

• Bachelor’s degree in Finance, Accounting, Mathematics, Economics, or a related field required.

Preferred Qualifications

• Not specified.

Compensation & Benefits

• Salary range: $50,000 to $65,000 annually.

Location

• Not specified.

Additional Requirements

• Participate in mandatory Community Reinvestment Act (CRA) activities and initiatives, including community outreach, volunteer events, financial education programs, and related efforts, as assigned.

Equal Opportunity

• Equal Opportunity Employer (M/F/D/V). Employees are required to perform work in an ethical manner and uphold the organization’s Code of Business Conduct and Ethics at all times.