Commercial Credit Analyst: Risk Insights & Lending

Search Solution Group; Louisville (KY); On-site; USD 65,000 - 90,000; Full time

Job summary

Search Solution Group is seeking a Credit Analyst for a client, a member-owned, full-service credit union, to evaluate financial health of commercial borrowers by analyzing financial statements and assessing credit risk. The role supports lending decisions and ensures compliance with guidelines.

The position involves analyzing tax returns, preparing credit recommendations, and participating in loan committees, with emphasis on accuracy, timely delivery, and teamwork in a regulated environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field preferred.
• 2+ years of Commercial Analyst or Commercial Lending experience preferred.
• Experience with financial statement analysis, credit review, or underwriting preferred.

Responsibilities

• Perform annual financial reviews for commercial lending relationships.
• Analyze and spread business tax returns, business financial statements, personal tax returns, and personal financial statements for new and existing credits.
• Complete credit monitoring activities including financial statement analysis, borrowing base reviews, covenant testing, marketable securities monitoring, and leveraged lending monitoring.
• Prepare preliminary credit recommendations for Commercial Department Management.
• Attend and participate in loan committee meetings as required.
• Ensure compliance with underwriting guidelines and internal credit standards.
• Maintain accurate financial information and compliance tracking records.
• Develop knowledge of Commercial Loan Policies and NCUA regulations related to member business lending.
• Stay current on underwriting procedures, industry regulations, and credit analysis best practices.
• Collaborate with internal teams to support effective credit decisions and lending operations.

Skills

Analytical thinking

Financial analysis

Credit risk assessment

Communication skills

Time management

Attention to detail

Excel proficiency

Financial statement analysis

Education

Bachelor’s degree in Finance or related field

Tools

Microsoft Excel

Word

Job description

Search Solution Group is seeking a Credit Analyst for a client, a member-owned, full-service credit union, to evaluate financial health of commercial borrowers by analyzing financial statements and assessing credit risk. The role supports lending decisions and ensures compliance with guidelines.

The position involves analyzing tax returns, preparing credit recommendations, and participating in loan committees, with emphasis on accuracy, timely delivery, and teamwork in a regulated environment.