Commercial Credit Analyst: CRE & C&I Lending

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

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.