Commercial Credit Analyst

Superior Choice Credit Union; Superior (WI); Remote; USD 65,000 - 95,000; Full time

Job summary

Superior Choice Credit Union is seeking a Commercial Credit Analyst to assess commercial loan requests, analyze financial data, and help lenders make informed decisions. The role emphasizes accuracy, collaboration with lending teams, and adherence to risk standards.

The position is fully remote with residency in the Twin Cities, Twin Ports, or nearby areas and periodic travel as needed. A minimum of 2 years in commercial credit analysis is required, with proficiency in Microsoft Office and

Qualifications

• Minimum 2 years of commercial credit analysis experience required.
• Experience in commercial credit analysis, underwriting, lending or business banking.
• Strong understanding of financial statements, tax returns, cash flow, DSCR and credit risk.
• Sageworks experience preferred.
• Resident of Twin Cities/Twin Ports or surrounding areas; travel occasionally.
• Highly organized, detail-oriented, and accurate.
• Ability to communicate complex financial concepts clearly and professionally.
• Strong time management and ability to handle multiple priorities.
• Proficient with Microsoft Office and financial analysis software.
• Able to work independently while collaborating with lenders and team.

Responsibilities

• Analyze financial statements, tax returns, cash flow, and credit reports to assess credit requests.
• Perform detailed credit analysis to ensure alignment with policies and risk standards.
• Prepare clear credit presentations and recommendations for lending decisions.
• Monitor collateral, valuations, inspections, and covenant compliance.
• Support lenders with portfolio management and ongoing monitoring.
• Prepare reports on borrowers’ financial performance and credit obligations.
• Collect and organize financial information from business members.
• Update credit and loan systems with accurate data entry.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Communication

Tools

Sageworks

Microsoft Office

Financial analysis software

Job description

Join Our Team as a Commercial Credit Analyst!

Superior Choice Credit Union

Are you a numbers-driven problem solver who enjoys digging into financial details and turning data into meaningful insights? Do you take pride in accuracy, organization, and supporting smart lending decisions? If so, we’d love to meet you!

At Superior Choice Credit Union, our Credit Analysts are more than financial reviewers. They are trusted partners, risk assessors, and key contributors who help support responsible commercial lending decisions for our members and communities.

Work Location

This is a fully remote position. Candidates must reside in the Twin Cities, Twin Ports, or surrounding areas. Occasional travel may be required for meetings, training, team events, and other business-related needs.

What You’ll Do

As a Commercial Credit Analyst, you’ll work closely with lenders to evaluate commercial credit requests, assess risk, and provide clear, accurate analysis that supports thoughtful lending decisions.

• Analyze financial statements, tax returns, cash flow reports, and credit reports to assess the strength of commercial credit requests
• Perform detailed commercial credit analysis to determine alignment with credit union lending policies and risk standards
• Prepare clear, thorough, and concise credit presentations and recommendations for lending decisions
• Monitor loan collateral, valuations, inspections, and covenant compliance
• Support lenders with portfolio management and ongoing credit monitoring
• Prepare and maintain reports related to borrowers' financial performance and credit obligations
• Collect, review, and organize financial information from business members
• Update and maintain credit and loan systems with accurate data entry and reporting
• Assist with problem loan administration and special projects as needed
• Represent SCCU's mission of improving the financial well-being of our members

What Makes You a Great Fit?

You enjoy analyzing financial information and turning complex details into clear recommendations. You’re dependable, detail-oriented, and comfortable collaborating with lenders, members, and internal teams.

• Minimum of 2 years of commercial credit analysis experience required
• Experience in commercial credit analysis, commercial underwriting, commercial lending, business banking, or a related field
• Strong understanding of commercial financial statements, tax returns, cash flow analysis, debt service coverage, and credit risk assessment
• Experience with Sageworks is strongly preferred
• Must reside in the Twin Cities, Twin Ports, or surrounding areas and be able to travel occasionally as needed
• Highly organized, detail-oriented, and committed to accuracy
• Ability to communicate complex financial concepts clearly and professionally
• Strong time management skills with the ability to manage multiple priorities and deadlines
• Proficient with Microsoft Office and financial analysis software
• Able to work independently while collaborating effectively with lenders and team members

Bonus Points If You:

• Have experience working with commercial or business lending portfolios
• Are skilled at identifying potential risks and offering proactive solutions
• Enjoy building relationships with internal teams and supporting lenders
• Thrive in a fast-paced environment where no two days are exactly the same

What Success Looks Like:

• Accurate, thorough credit analysis that supports strong lending decisions
• Well-prepared credit presentations that clearly communicate risk and opportunity
• Timely and compliant reporting on credit activity and loan performance
• Strong collaboration with lenders and internal partners
• Maintaining high standards of confidentiality, professionalism, and service

Why SCCU?

At Superior Choice Credit Union, we’re more than a financial institution. We’re a team of people who genuinely care about our members, our communities, and each other.

When you join SCCU, you’ll find meaningful work that impacts our members’ lives, opportunities for professional growth and development, a supportive team environment, and a culture built on service, teamwork, and community involvement.

The Best Part?

Every analysis tells a story. One moment you’ll be reviewing financial statements, and the next you’ll be helping lenders make informed decisions that support local businesses and strengthen financial futures.

Ready to use your analytical skills in a role that makes a real impact?