Commercial Credit Analyst


The Credit Analyst is responsible for completing commercial credit analysis.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  • Demonstrate enthusiasm for the bank’s core values: Teamwork, Accountability, Integrity, Innovation and Leadership.
  • Support credit function while maintaining, expanding and building internal and external relationships, resulting in a high degree of customer satisfaction.
    Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to current and prospective borrowers.
  • Complete accurate and timely underwriting documents to submit to loan committees and individuals for approval demonstrating independent judgment, appropriate recommendations, and risk ratings.
  • Actively partner with internal and external BDO’s.
  • Evaluate collateral values of properties securing loans, including reviewing for appraisals for accuracy, completing internal valuations when appropriate, and review of environmental reports.
  • Maintain knowledge and awareness of NCUA regulations directly impacting commercial loan underwriting.
  • Create and maintain credit files and accordance with format and retention guidelines.
  • Partner with Documentation and Portfolio Management departments to properly transition loans.
  • Provide guidance, training, and support to Financial Analysts and Interns.
  • Actively participate with and support credit unions and BDO’s in the negotiation of loan terms and structure requirements.


  • Bachelor’s degree (B.A. or B.S.) from four-year college or university; or equivalent combination of education and experience. Formal credit training program and one to three years of commercial credit analysis experience preferred.

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