Business Credit Analyst

Business Credit AnalystUnder the direction of the Assistant Vice President of Business Lending, this role is responsible for analyzing and underwriting business loan requests within established credit policies and guidelines. Evaluate financial information-including credit reports, financial statements, tax returns, and third-party sources-to assess borrower risk, repayment capacity, and overall creditworthiness. Analyze collateral adequacy and structure loan recommendations accordingly.

Prepare clear, well-supported loan presentations for Loan Committee review, ensuring accuracy and alignment with organizational standards.Responsibilities:Underwrite and evaluate business loan requests in accordance with established policies and risk parametersAnalyze financial statements, tax returns, and cash flow to assess creditworthiness and repayment capacityEvaluate and document collateral to ensure adequacy and compliance with lending requirementsPrepare concise, defensible credit summaries and recommendationsCommunicate effectively with internal stakeholders and business membersRequired Knowledge:Strong financial analysis skills, including interpretation of business financial statements and tax returnsSolid understanding of commercial credit principles and risk assessmentAbility to clearly communicate and support credit recommendationsWorking knowledge of credit union business lending products and servicesExposure to SBA 504 and 7(a) loan programs is a plus