Commercial Credit Analyst

Liberty Federal Credit Union; Louisville (KY); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Paid Holidays

Paid Time Off

Medical, Dental and Vision Insurance

401(k) retirement program with match

Employer paid life insurance

Short/Long Term Disability Insurance

Tuition Reimbursement Program

Job summary

Liberty FCU is seeking a Commercial Credit Analyst in Louisville, KY to evaluate financial conditions for new loan requests and renewals. You’ll spread and analyze financials, participate in committee meetings, and ensure compliance with underwriting guidelines.

Responsibilities include annual reviews, monitoring, and staying current with regulations. A bachelor’s degree in finance or related field is preferred with 2–5 years of experience and strong analytical skills.

Qualifications

• Bachelor’s degree in finance, accounting or related field; 2–5 years of experience preferred.
• Strong attention to detail and analytical skills are required.
• Excellent written and verbal communication skills.

Responsibilities

• Perform annual financial reviews for commercial relationships.
• Spread and analyze business tax returns, business financial statements, and personal financial statements for new and existing commercial loan relationships.
• Complete credit monitoring functions including spreading and review of financial statements and covenant testing.
• Make preliminary recommendations to Commercial Department Management.
• Attend and participate in loan committee meetings as required.
• Ensure adherence to underwriting guidelines and credit standards.

Skills

Communication skills

Analytical ability

Attention to detail

Deadline management

Initiative

Problem solving

Teamwork

Stress tolerance

Learning on the job

Credit analysis

Education

Bachelor’s degree in finance, accounting or related field

Tools

Excel

Word

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Commercial Credit Analyst

Full Time Professional LOUISVILLE, KY, Louisville, KY, US

22 days ago Requisition ID: 3975

Liberty FCU, a full-service credit union, is seeking a Commercial Credit Analyst. This position could be located at 1200 Forest Bridge Road, Louisville, KY or at 4401 Theater Drive, Evansville, IN. Please note this is a non-remote position. The candidate must evaluate the financial condition of individuals and businesses through new loan requests, loan renewals, the annual review process, analyze and spread borrower and guarantor financials, as well as other duties as they apply. A bachelor’s degree in finance, accounting or related field preferred with 2-5 years' experience required. Strong attention to detail and analytical skills are required.

Duties and responsibilities include but are not limited to the following:

• Perform annual financial reviews for commercial relationships.
• Spread and analyze business tax returns, business financial statements, personal tax returns, personal financial statements for new and existing commercial loan relationships.
• Complete credit monitoring functions including spreading and review of financial statements, borrowing base and covenant testing, marketable securities and leveraged lending monitoring.
• Makes preliminary recommendation to Commercial Department Management.
• Attend and participate in loan committee meetings as required.
• Assures all basic underwriting guidelines are met.
• Develop a working knowledge of the Commercial Loan Policy and NCUA regulations regarding member business lending.
• Oversees and manages financial information in regard to appropriate compliance tracking.
• Maintains expertise in new and current analysis procedures.
• Maintains expertise in new and changing underwriting guidelines and industry regulations.
• Adheres to Credit Union credit standards and works constructively with and abides by credit department guidelines.

Competency/Skill Level:

• Excellent written and verbal communication skills.
• Working knowledge of Excel and Word.
• Analytical ability with strong attention to detail.
• Ability to meet deadlines.
• Initiative.
• Problem assessment and solving skills.
• Teamwork.
• Tolerance for stress.
• Practical learning skills.
• Personal development as established with manager. Annual training provided.
• Prior experience in credit analysis is preferred but not required.

Benefits and Compensation:

• Paid Holidays
• Paid Time Off (Vacation, Sick and Personal Days)
• Medical, Dental and Vision Insurance
• 401(k) retirement program with matching funds
• Employer paid Group Term Life Insurance, Short Term and Long-Term Disability Insurance
• Tuition Reimbursement Program

Liberty FCU is an Equal Opportunity Employer, Minority/Female/Disability/Protected Veteran.