Commercial Credit Analyst II

Overview

A financial institution is seeking a Commercial Credit Analyst II to perform risk analysis for complex secured and unsecured commercial loans. This role involves reviewing, analyzing, and evaluating commercial loan applications, ensuring accuracy of financial spreads, and providing detailed notes to explain estimates, projections, or discrepancies. The analyst will maintain and strengthen relationships with members and internal/external originators, mentor less senior analysts, and assist with complex credit transactions. A thorough understanding of commercial underwriting standards, risk philosophy, credit culture, and market conditions is required.

Responsibilities

• Review, analyze, and evaluate loan applications based on established policies, guidelines, and procedures.
• Apply knowledge of spreading, risk rating, and loan structuring to provide clear analysis to underwriters.
• Ensure transactions are accurate, complete, and compliant.
• Analyze credit history to assess repayment propensity.
• Analyze cash flow from various sources for reliability in future repayment.
• Evaluate documentation for accuracy and truthfulness.
• Spread and interpret tax returns, financial statements, and complete projections for approval review.
• Maintain knowledge of state and federal laws and regulations related to credit union compliance, including BSA, AML, TILA, HMDA, GLBA, Fair Lending, and others.
• Receive initial loan application packages and assist with screening for appropriate loan sizing and structure.
• Identify and clarify any unanswered questions in financial spreads through discussions with loan officers or applicants.
• Gather information, perform analysis, and prepare reports as directed.
• Make recommendations and assist with updating commercial lending products, policies, and procedures.
• Train personnel on lending policies and procedures; provide work direction, feedback, and mentoring to less experienced staff.
• Assist in loan origination analysis or credit review analysis as needed.
• Perform other duties as assigned.

Qualifications

• Education: High school diploma required; associate degree preferred.
• Experience: Minimum of 4 years in commercial credit analysis using a loan origination system (LOS) to produce loan credit memos explaining risks and mitigants.
• Skills and Knowledge:
  • Strong analytical, organizational skills, and attention to detail.
  • Ability to calculate figures and use logical reasoning for objective evaluations and recommendations.
  • Knowledge of financial services industry trends impacting commercial loan quality and underwriting.
  • Solid interpersonal, oral, and written communication skills to build and maintain professional relationships.
  • Extensive knowledge of commercial credit analysis, including cash flow from business operations, rental income, and other sources.
  • High degree of integrity and sound judgment for fair lending recommendations.
  • Time and queue management skills to prioritize multiple objectives.
  • Understanding of regional lending market conditions and collateral values.
  • Proficiency with automated loan origination systems and standard Microsoft programs.
  • Ability to work effectively in a fast-paced, flexible, production-oriented environment.
  • Proficiency in traditional and UCA cash flow analysis and global cash flow calculations.

Physical Requirements

• Prolonged sitting throughout the workday with occasional mobility.
• Corrected vision within normal range.
• Hearing within normal range; hearing enhancement devices provided if needed.
• Occasional movement throughout the department to interact with staff and accomplish tasks.

Licenses/Certifications

• None required.

Compensation

• Salary range: $77,500.00 - $90,000.00 annually.

Location

• Position is within the Business Services department.

Additional Information

• This is an exempt status position.
• The organization complies with fair chance employment practices and considers qualified applicants with arrest and conviction records.