Commercial Credit Analyst

Members Cooperative Credit Union; Duluth (MN); Remote; USD 66,000 - 75,000; Full time

Job summary

An innovative financial institution is seeking a detail-oriented Commercial Credit Analyst to join their Business Services team. This remote position offers the chance to evaluate creditworthiness and craft insightful credit recommendations that directly impact lending decisions. You will play a crucial role in analyzing financial documents, conducting risk assessments, and maintaining relationships with commercial clients. With a commitment to professional development and a supportive work environment, this role provides an excellent opportunity for growth while contributing to the financial well-being of community members. If you are passionate about finance and eager to make a difference, this position is for you.

Benefits

Medical, Dental and Vision Plan Options

401(k) with Competitive Company Match

Paid Time Off

Tuition Reimbursement

Company Provided Life Insurance

Paid Parental Leave

Discretionary Annual Profit-Sharing Bonus

Qualifications

• 1-2 years of post-secondary education in business or accounting.
• 3-4 years of experience in commercial lending or equivalent.

Responsibilities

• Conduct credit assessments for loan application eligibility.
• Develop complex credit presentations and analyze policies.

Skills

Commercial Lending Experience

Analytical Skills

Communication Skills

Microsoft Office Suite

Adobe Acrobat

Education

High School Diploma

Post-secondary Education in Business or Accounting

Tools

DNA

Sageworks

Job description

Careers at Members Cooperative Credit Union

View our current job opportunities to explore new challenges and opportunities with our team. Openings are posted as they become available.

Current remote positions are posted without a City and State and will require candidates to live in IL, MN, or WI.

Due to internal movement, the Business Services team here at Members is looking for a numbers-savvy professional with a keen eye for risk and opportunity! Join the team as a Commercial Credit Analyst, where you’ll play a key role in evaluating creditworthiness, crafting sound credit recommendations, and helping shape smart lending decisions. This opportunity allows you to make a meaningful impact on our members and our commercial portfolio. This position is remote but must be able to commute to a branch within the credit union network in a reasonable timeframe.

Key Responsibilities

• Credit assessments to determine loan application eligibility, done by analyzing documents, financial statements, and credit status.
• Support Business Services department through cross-functional project participation, credit risk modeling, audit and exam participation, and more.
• Develop complex credit presentations, analyzing and interpreting policies and risk ratings.
• Perform annual reviews on existing commercial loan relationships.
• Maintain working knowledge of loan programs and partnerships within the Business Services department and general changes in regulatory, economic and technological environments.

Qualifications

• High School education or equivalent
• 1-2 years of post-secondary education in a business, accounting, or related field
• 3-4 years of experience in commercial lending, or equivalent combination of education and experience
• Ability to read, analyze and interpret general business content at a professional level
• Ability to communicate in a professional manner and communicate complex information both verbally and in writing to a variety of stakeholders
• Experience and success in reporting and presenting analytical information
• Demonstrated expertise using the Microsoft Office suite and proficiency with Adobe Acrobat.
• Must possess or be willing to obtain Minnesota Notary Public
• Experience using DNA and Sageworks preferred

Schedule

• Monday – Friday, 8:00 a.m. to 5:00 p.m.
• Full-time, 40 hrs/wk
• This is an exempt position
• Starting pay range: $66,000 - $75,000, pay commensurate with experience
• Medical, dental and vision plan options
• Health Saving Account and Flexible Spending Account options
• 401(k) with competitive company match
• Paid time off, paid holidays, personal time and paid volunteer time
• Development time and tuition reimbursement
• Company provided life insurance, short-term and long-term disability insurance
• Voluntary benefits including life, critical illness, accident and hospital indemnity coverage
• Paid parental leave
• Discretionary, annual profit-sharing bonus

Equal Opportunity Employer/Veterans/Disabled

Members Cooperative Credit Union (MCCU) is an Equal Employment Opportunity employer. We are committed to an inclusive organizational environment that encourages the full participation of all members of our diverse workforce and enables everyone to maximize their talents, skills, and abilities to serve our members. MCCU recruits, hires, employs, trains, promotes, and compensates individuals based on job-related qualifications and skills. We do not discriminate based on race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

For questions or, if you need assistance completing the application process, please contact [e-mail].