Commercial Credit Analyst

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Posted Sep 28, 2026

Remote · US Full Time

$84K – $95K/yr

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Overview

This position analyzes commercial lending opportunities by evaluating borrower financial information, assessing credit risk, and preparing comprehensive credit recommendations to support sound lending decisions, portfolio quality, and business banking objectives.

Responsibilities

Commercial credit analysis and underwriting
- Analyze business and personal financial statements
- Evaluate cash flow, leverage, liquidity, and repayment capacity
- Perform global cash-flow and guarantor analysis
- Prepare credit analysis and underwriting recommendations
Credit structuring and risk assessment
- Evaluate collateral, LTV, guarantees, and loan structure
- Identify key credit risks and mitigating factors
- Support covenant and loan-condition development
- Apply commercial credit policy and underwriting standards
Credit memorandum and documentation
- Prepare credit presentations and approval packages
- Maintain accurate underwriting documentation
- Coordinate financial information and due diligence requirements
- Support approval and closing processes
Portfolio monitoring and annual reviews
- Complete annual and periodic credit reviews
- Monitor financial performance and covenant compliance
- Identify emerging credit deterioration
- Support risk-rating and watch-list processes
Credit quality and portfolio intelligence
- Monitor portfolio concentrations and credit trends
- Support criticized/classified loan reporting
- Provide portfolio and credit-quality analysis
- Support examinations, audits, and credit-quality reviews

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Qualifications

Education & experience
- Bachelor’s degree in accounting, finance, economics or related field (required)
- Minimum of three years of prior experience in commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis (required)
- Experience with Corelation Keystone, Jack Henry Symitar, SageWorks (Abrigo) or nCino (preferred)
- Experience with commercial real estate underwriting (preferred)
Knowledge, skills & abilities
- Strong analytical skills, including proficiency in financial modeling and analysis of credit metrics
- Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis
- Excellent verbal and written communication skills
- Critical thinking and problem-solving skills
- Attention to detail and high level of accuracy
- Strong organizational and time management skills
Competencies
- Problem Solving
- Decision Quality
- Intellectual Horsepower
- Integrity and Trust
Physical demands
- Must be able to lift up to 10 pounds
- Requires standing and/or sitting for an extended period of time
Mental & emotional requirements
- Must be able to perform job functions independently or with limited supervision and work effectively on own or as part of a team
- Must be able to read and carry out written instructions and follow oral instructions
- Must be able to deal calmly and professionally with numerous personalities and diverse perspectives both within and outside of the organization
- Must be able to perform responsibilities with composure under the stress of deadlines and requirements for quality and timeliness
- Must be capable of exercising high levels of discretion on internal and external confidential matters

Preferred Qualifications

Experience with Corelation Keystone, Jack Henry Symitar, SageWorks (Abrigo) or nCino
Experience with commercial real estate underwriting

Compensation & Benefits

Anticipated hiring range: $84,000 - $95,000 annually
Actual compensation will be determined based on factors such as skills, experience, qualifications, and internal equity.

Benefits include: