Commercial Credit Analyst: Underwriting & Financial Analysis

United States Digital Space LLC; Buffalo (PA); On-site; USD 74,000 - 84,000; Full time

Benefits offered by this job

Industry-leading benefits

Paid time off

Job summary

United States Digital Space LLC is seeking a Commercial Credit Analyst I–III to support underwriting of commercial credit clients. The role focuses on evaluating financials, projections, covenant compliance, and collateral while maintaining alignment with the bank's risk appetite.

You will analyze ongoing credit, perform financial spreading and risk scoring, and collaborate with credit teams to ensure timely underwriting decisions.

Qualifications

• BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1–3 years of relevant work experience.

Responsibilities

• Analyzes financial statements and summarizes client performance via periodic risk profile reviews.
• Partners with credit and client teams within Centralized and Regional Credit Lines of Business.
• Manages risk through accurate financial spreading, risk rating, and covenant test calculations.
• Expands expertise by reviewing policy and procedure and participating in continuing education sessions.
• Collaborates with peers to manage optimal workflow.
• Identifies and escalates process breakdowns.

Skills

Credit Risk

Financial Analysis

FA Principles

Credit Docs

Critical Thinking

Prioritization

Attention to Detail

Business Acumen

Decision Making

Written Communications

Client Management

Data Organization

Analytical Thinking

Education

BA/BS in Finance/Accounting/Business

Job description

United States Digital Space LLC is seeking a Commercial Credit Analyst I–III to support underwriting of commercial credit clients. The role focuses on evaluating financials, projections, covenant compliance, and collateral while maintaining alignment with the bank's risk appetite.

You will analyze ongoing credit, perform financial spreading and risk scoring, and collaborate with credit teams to ensure timely underwriting decisions.