Commercial Credit Analyst

Atlantic Federal Credit Union; Portland (ME); On-site; USD 75,000 - 90,000; Full time

Job summary

Atlantic Federal Credit Union in Maine is seeking a Commercial Credit Analyst to join our growing Commercial Lending team. You will analyze financial statements, cash flows, and collateral to assess creditworthiness and support sound lending decisions across CRE and C&I relationships.

You will prepare clear credit presentations, conduct annual reviews, monitor borrower risk, and collaborate with Relationship Managers to identify opportunities and strengthen our loan portfolio.

Qualifications

• 3-5 years of related commercial credit, lending, banking, finance, accounting, or financial analysis experience.
• Strong financial statement and cash flow analysis skills.
• Ability to interpret complex financial information and identify key risks.
• Strong organizational skills and attention to detail.
• Experience with credit analysis software like Abrigo or similar.

Responsibilities

• Analyze financial statements, tax returns, cash flow, and supporting documentation to assess creditworthiness and repayment capacity.
• Evaluate loan structures, collateral, guarantor strength, and potential risk factors.
• Prepare clear, well-supported credit presentations and recommendations.
• Conduct annual reviews of commercial loan relationships.
• Assess economic, industry, and market trends that may impact borrower performance.
• Partner with Commercial Lending professionals to identify strengths, concerns, and opportunities within lending relationships.
• Support process improvements, technology initiatives, appraisal coordination, and other special projects.
• Contribute to the continued growth and strength of Atlantic's commercial lending portfolio.

Skills

Analytical thinking

Credit analysis

Risk assessment

Financial statement analysis

Communication

Relationship building

Integrity and professionalism

Tools

Abrigo

Job description

Description

Help Shape Smart Lending Decisions Across Maine's Largest Credit Union

Atlantic Federal Credit Union is seeking a Commercial Credit Analyst to join our growing Commercial Lending team. In this role, you'll evaluate a diverse range of commercial borrowing opportunities, including commercial real estate (CRE) and commercial & industrial (C&I) relationships, helping ensure sound lending decisions and a high-quality loan portfolio. Working closely with Relationship Managers and lending leadership, you'll analyze financial performance, assess risk, and provide recommendations that support the growth of local businesses and communities throughout Maine.

For professionals who enjoy financial analysis, risk assessment, and solving complex business challenges, this role offers meaningful work and opportunities for continued growth.

What You'll Do

• Analyze financial statements, tax returns, cash flow, and supporting documentation to assess creditworthiness and repayment capacity.
• Evaluate loan structures, collateral, guarantor strength, and potential risk factors.
• Prepare clear, well-supported credit presentations and recommendations.
• Conduct annual reviews of commercial loan relationships.
• Assess economic, industry, and market trends that may impact borrower performance.
• Partner with Commercial Lending professionals to identify strengths, concerns, and opportunities within lending relationships.
• Support process improvements, technology initiatives, appraisal coordination, and other special projects.
• Contribute to the continued growth and strength of Atlantic's commercial lending portfolio.

What Makes You Successful

You:

• Think critically and enjoy solving complex problems.
• Exercise sound judgment when evaluating risk and opportunity.
• Communicate recommendations clearly and confidently.
• Take ownership of your work and continuously seek to expand your expertise.
• Build productive relationships while maintaining an objective credit perspective.
• Approach decisions with integrity, professionalism, and attention to detail.

Why Atlantic

At Atlantic, your expertise helps shape lending decisions that support businesses across Southern Maine. You'll gain exposure to a broad range of commercial relationships, work alongside experienced lending professionals, and continue developing your credit and risk management skills within an organization committed to responsible growth and community impact.

If you're ready to leverage your analytical skills to support smart lending decisions and meaningful business growth, we'd love to hear from you.

Atlantic is an Equal Opportunity Employer.

Requirements

• 3-5 years of related commercial credit, lending, banking, finance, accounting, or financial analysis experience.
• Strong financial statement and cash flow analysis skills.
• Ability to interpret complex financial information and identify key risks.
• Strong organizational skills and attention to detail.
• Experience with Abrigo or similar credit analysis software.