Commercial Credit Analyst II at Generations Federal Credit Union

Description

Summary

Responsible for the underwriting of complex commercial loan transactions via analysis of applications, tax returns, financial statements, and all other supporting documentation of commercial loan applicants. Researches prevailing industry and market conditions and/or data and makes credit recommendations for commercial loan requests. Advanced Analysis is performed through the examination and interpretation of historical and projected financial statements and related information, biographical data on a company and/or individual, market information, and credit reports, with a focus on determining a borrower's repayment ability. 

Additional accountabilities include training and guidance for entry level analysts, assisting the Senior Commercial Relationship Manager and the Portfolio Manager in the ongoing monitoring of the commercial loan portfolio, including periodic reviews, risk rating updates and exception review. Supports and participates in all commercial lending initiatives. Upholds the Mission, Vision and Core Values of Generations Federal Credit Union. 

Primary Duties

1. Gather, analyze, interpret, and spread corporate and individual financial statements and tax returns. Analyze credit worthiness and evaluates credit risk of all business/commercial loan requests. Assists with the preparation of recommendations and justifications for the associated decision for approval/denial on all commercial loans, secured and unsecured as described by applicable loan policy. Mitigates and manages credit risk by evaluating global cash flow, collateral position, balance sheet strengths and pro forma analysis.  
2. Analyze and interpret financial statements of commercial loan applications to develop assessment by identifying strengths and weaknesses pertaining to borrower's historical operating performance and future plans. Researches and maintains industry data from outside sources, including conversations with the Senior Commercial Relationship Manager & Portfolio Manager, industry publications, and references from other financial institutions, credit agencies, and access through the internet. 
3. Prepares written analysis regarding commercial real estate transactions (Office, Retail, Industrial, and Multi-Family), and non-homestead residential mortgage requests, credit investigations, economic and market conditions, historical financial analysis, sources of repayment such as collateral and guarantors financial positions to derive Global Cash Flow. Construction project underwriting with project feasibility, contract and budget review, and disbursement funds review through the building process. Conducts ongoing surveillance of active construction loans identifying potential risks like cost overruns or delays. Analyzes current credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Analyze data to identify inconsistencies and potential instances of fraud within applications. Assists Senior Relationship Manager and Portfolio Manager with evaluating and recommending loan grades both at loan inception and on an annual basis. 
4. Assists Senior Relationship Manager and Portfolio Manager by preparing periodic reviews and ongoing development/monitoring of all business/commercial loan accounts, to include, but not limited to, ensuring adherence to all loan covenants, forecasting continuity of business by analyzing tax returns, financial statements, balance sheets, and other key ratios, and participating in the maintenance of a professional business relationship between Credit Union and business owners. 
5. Identifies cross-selling opportunities to other lines of business within the Credit Union. 
6. Prepares documentation package for loans presented to the Commercial Loan Committee.
7. Assists the Commercial Operations Manager in the preparation of department level performance Reports to be presented to the Chief Lending Officer and Board of Directors.
8. Will provide guidance and support to the Credit Analyst I role to include training of software/program resources, policy and procedures, and department culture. 
9. Direct communication with members to assist with service and small loan requests and renewal requests.
10. Performs other duties as assigned.

Requirements

Education

Bachelor’s degree in Business Management (preferably with a concentration in finance or accounting) or equivalent experience in commercial credit analysis.

Experience

Must have a minimum of two years of experience in commercial credit analysis; formal credit training is preferred. Small Business Administration (SBA) and Interim Construction experience is a plus. 

Skills 

Must have the following skills and/or abilities:

• Being a team player by working for the good of the group.
• Strong analytical ability to interpret data from various sources and make sound decisions based on logical and unbiased reasoning.     
• Thorough understanding of regulatory requirements specific to a commercial lending environment.  
• Must have strong evaluation and business writing/report writing skills.  
• Excellent oral and written communication skills with strong attention to detail and organization.
• Interpersonal skills are essential for interacting with credit union staff and business members.
• Ability to represent the Credit Union in a professional, confident manner. 
• Proven ability to work autonomously and manage time effectively in a hybrid setting.
• Proficient with the Microsoft Office Suite.

Physical/Other Requirements

Must be able to:

• Stand or sit for long periods of time.
• Lift 10-20 lbs. 
• Ability to work independently and amongst a team where co-workers are interdependent

Work Location/Schedule

This role is based in a hybrid work environment, combining both in-office presence and remote work flexibility to support team collaboration and individual productivity.

• In office requirements - Team members are expected to be present in the office two (2) days per week, typically on Tuesdays and Thursdays, or as scheduled based on business needs. In-office time is prioritized for team meetings, project collaboration, and tasks that benefit from direct interaction.
• Work-from-Home Flexibility - On non-office days, employees may work from home if they have access to a reliable internet connection and are available during core business hours 8:00 AM – 5:00 PM CST. Work-from-home days should be treated with the same professionalism, productivity, and accountability as in-office days.
• Exceptions & Adjustments - Occasional changes to the in-office schedule may be required based on team priorities, special projects, or leadership requests. Advance notice will be provided whenever possible.