Commercial Credit Analyst - Full Time

Overview

This role involves completing analytical tasks associated with underwriting and monitoring the organization’s Commercial Loan Portfolio.

Responsibilities

• Prepare, spread, and analyze business and personal financial statements and tax returns, including accounts receivable and payable aging, inventory reports, and third-party appraisal reports.
• Determine cash flow using appropriate software and cash flow models.
• Analyze financial conditions, industries, and trends.
• Conduct credit investigations and analyze credit information related to loans.
• Investigate available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Complete annual loan reviews, risk grades, and problem loan reports.
• Collect financial information and perform covenant monitoring and testing.
• Ensure credit files include proper documentation, including current financial statements and agency reports.
• Review and report non-compliance with loan covenants.
• Conduct industry research and assist with special projects as assigned.

Requirements

• High school diploma or equivalent.
• Three to five years of similar or related experience.
• Bachelor’s degree or achievement of formal certifications recognized in the industry equivalent to a bachelor’s degree.
• Exceptional customer service skills.
• Strong communication skills and attention to detail.

Compensation & Benefits

• Salary: $29.23 to $43.85
• Competitive salary and benefits
• Opportunities for career growth
• Supportive team environment

Location

• Bethalto, IL (remote option available)

Schedule

• Monday – Friday, 8:00 AM – 5:00 PM

Travel & Work Authorization Requirements

• Must be able to work and travel to different credit union locations as determined by management.

Equal Opportunity

• Equal Opportunity Employer