Senior Commercial Credit Analyst

The Senior Commercial Credit Analyst is a credit-focused role responsible for performing commercial credit analysis, making loan decisions and recommendations up to the assigned authority, preparing objective credit memoranda, and supporting ongoing portfolio administration for commercial lending relationships. This position plays a key role in monitoring the commercial loan portfolio and supporting sound credit risk management practices throughout the life of each relationship.

The Sr. Commercial Credit Analyst monitors assigned commercial relationships for potential risk rating changes, collects and tracks required financial and reporting ticklers, clears loan covenants, prepares covenant violation letters, and processes annual relationship and credit reviews. The role works closely with Commercial Loan Officers to evaluate borrower performance, identify emerging credit risks, and ensure loans remain compliant with credit union policy, approval conditions, and regulatory expectations.

Essential Functions

Credit Analysis & Credit Memorandum Preparation

• Analyze borrower and guarantor financial statements, tax returns, cash flow, global debt service, collateral, and industry trends
• Prepare objective, well-supported credit memoranda
• Make loan decisions up to assigned authority
• Make loan decision recommendations to management beyond assigned authority
• Recommend and support risk ratings and monitor for changes
• Collaborate with Commercial Loan Officers on structure and terms
• Participate in presenting credit analysis during internal discussions and committees as requested

Portfolio & Risk Management

• Monitor portfolio performance, covenants, ticklers, and exceptions
• Collect and review borrower financial reporting
• Clear covenants and document compliance
• Prepare covenant violation letters
• Escalate emerging credit risks
• Complete annual credit and relationship reviews
• Support monitoring of criticized or higher-risk relationships

Processing & Quality Control

• Review loan documentation for accuracy and alignment with approvals
• Provide backup processing support as needed
• Ensure supported activities comply with policy and regulation
• Assist with audits, loan reviews, and exams
• Prepare portfolio and risk-related reports as required by Management

Collaboration & Service

• Serve as a credit partner to Commercial Loan Officers
• Maintain effective internal and external relationships
• Provide high-quality member service to achieve efficient and accurate transactions

Other Duties

• Perform other duties as assigned

Requirements

• Bachelor's degree in Accounting, Economics, Finance, Statistics, or related field; or equivalent experience
• 5+ years of progressive commercial credit experience
• Ability to support loan officers and high portfolio complexity
• Experience in assisting others with training and coaching
• Serve are a subject-matter expert in commercial lending
• Excellent verbal and written communication
• Has solid understanding of full range of credit union products and services provided
• Computer literate with proficiency of MS Office. Excellent knowledge of report software and processes. Experience working with a loan operating system and loan documentation system
• Must be highly detail-oriented and organized, with ability to coordinate time and work with others
• Perform job functions independently with limited supervision, work effectively on own and as part of team
• Ability to read and carry out various written instructions and follow verbal directions
• Must remain composed in stressful, high-pressure situations. Calmly and professionally handle different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service
• Demonstrates extreme accuracy and quality, effectively handles multiple tasks and changing priorities, and exercises highest level of discretion on both internal and external matters
• Reports to work regularly; maintains reliable and timely attendance. Available to work the days and hours as dictated by business needs

Physical Requirements:

Bend, sit, or stand to perform primarily sedentary work with limited physical exertion; occasional lifting to 20 lbs. Operate routine office equipment including computer terminals, keyboards, telephones, copiers, and calculators. Bending and twisting to reach forms, pens, and miscellaneous items. Work on computer for up to 8 hours per day. Some locations may require ability to climb or descend stairs with minimal assistance in emergency situations.