Credit Analyst I

Overview

This role supports credit risk assessment and analysis for a commercial real estate loan portfolio. You will translate borrower and property financial information into clear, reliable analysis to help the Special Assets team evaluate potential concerns, support credit loss assessments, and provide insights to credit union partners.

Responsibilities

• Analyze commercial credit risk by reviewing borrower financial statements, repayment capacity, property performance, and collateral information.
• Evaluate property financial performance, including property income, operating expenses, occupancy, and other factors that impact cash flow and debt repayment ability.
• Support credit monitoring and recovery analysis by assessing loan performance, identifying potential repayment challenges, and analyzing repayment, refinancing, and recovery scenarios as credit conditions change.
• Prepare financial models and conduct analysis to evaluate financial and market scenarios and their impact on loan repayment and collateral support.
• Identify and communicate potential risks by reviewing financial information for inconsistencies, changing trends, and early warning signs; document findings and escalate concerns to appropriate credit professionals.
• Prepare credit documentation, including financial analyses, credit memoranda, risk-rating recommendations, and supporting materials for credit reviews and portfolio monitoring.
• Collaborate across credit functions (including Special Assets, Credit Loss, and Client Reporting) to provide accurate financial analysis that supports recovery planning, credit loss assessments, and client reporting.
• Contribute to process and analytical improvements by supporting accurate financial data, consistent analytical practices, and enhancements to reporting, monitoring, and financial analysis workflows.

Requirements

• Bachelor’s degree in finance, accounting, economics, real estate, business, or a related field, or equivalent relevant experience.
• 1 to 3 years of experience in commercial credit analysis, commercial real estate lending, underwriting, financial analysis, or a related field.
• Foundational knowledge of financial statements, cash flow analysis, debt obligations, and commercial lending concepts.
• Proficiency in Microsoft Excel, including the ability to organize financial data, perform calculations, and support financial modeling.
• Strong analytical and critical-thinking skills, including the ability to identify inconsistencies, evaluate assumptions, and draw supportable conclusions.
• Effective written and verbal communication skills, including the ability to document findings and explain financial information clearly.
• Sound judgment, attention to detail, and the ability to handle confidential financial information responsibly.

Compensation & Benefits

• Base compensation: $31.25 - $33.66 hourly.
• Remote work environment (remote position available only to candidates residing in states where the organization is authorized and equipped to employ team members). Approved employment locations are periodically reviewed based on business needs and applicable employment requirements.
• 13 paid holidays each year.
• Comprehensive insurance coverage options: medical, dental, vision, and supplemental benefit plans. Company-paid Short-Term Disability (STD), Long-Term Disability (LTD), and life insurance equivalent to 1 time your salary.
• 401(k) plan with matching contribution up to 6%.
• Tuition assistance.

Location

Remote. Candidates must reside in states where the organization is authorized and equipped to employ team members. Approved employment locations are periodically reviewed based on business needs and applicable employment requirements.