Credit Analyst

Netrolynx AI; United States; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health insurance

Dental and vision

Retirement savings

Paid time off

Professional development

Job summary

Superior Choice Credit Union is seeking a Credit Analyst to evaluate credit requests, analyze financial data, and support lending decisions aligned with credit union policies.

The role requires 3–5 years in credit analysis or commercial lending, strong financial statement analysis, and proficiency with loan software and MS Office. You will work with lenders and internal teams to manage risk and support growth.

Qualifications

• 3–5 years of experience in credit analysis or commercial lending.
• Strong understanding of financial statements and risk assessment.
• Proficient with loan software, reporting tools, and MS Office.

Responsibilities

• Analyze financial statements and credit reports to assess creditworthiness.
• Prepare clear credit presentations to support lending decisions.
• Monitor collateral and covenants; assist with portfolio management.
• Collaborate with lenders and internal teams on credit evaluations.
• Develop reports on members’ credit obligations and performance.

Skills

Credit analysis

Commercial lending

Financial statement analysis

Tools

Microsoft Office

Job description

About The Company

Superior Choice Credit Union has been a cornerstone of financial stability and community support for over 90 years. With a dedicated team of more than 150 professionals, we serve over 30,000 members across Wisconsin and Minnesota. Our mission is to provide personalized financial solutions that empower individuals, families, and local businesses to achieve their financial goals. We pride ourselves on fostering a collaborative, inclusive environment where innovation and integrity are at the front of everything we do. As a member-owned financial cooperative, we prioritize the needs of our members and community, ensuring that our services are accessible, reliable, and tailored to support long-term financial health.

About The Role

We are seeking a detail-oriented and analytical Credit Analyst to join our dynamic team. In this role, you will be instrumental in evaluating credit requests, analyzing financial data, and supporting informed lending decisions that align with our credit union policies. Your expertise will help mitigate risk and ensure the delivery of responsible financial solutions to our members. The ideal candidate will possess a strong background in credit analysis or commercial lending, with a passion for translating complex financial information into clear, actionable insights. This position offers an excellent opportunity to work closely with lenders and internal teams, contributing to the growth and stability of our credit portfolio while maintaining the highest standards of accuracy and professionalism.

Qualifications

The ideal candidate will have between 3 to 5 years of experience in credit analysis, commercial lending, or a related financial role. A solid understanding of financial statements, credit reports, and risk assessment methodologies is essential. Proficiency in loan software, reporting tools, and Microsoft Office is required. Strong organizational skills, attention to detail, and the ability to communicate complex financial concepts clearly and professionally are critical. Candidates should demonstrate the ability to manage multiple priorities effectively while meeting deadlines. A background in working with commercial or business lending portfolios and experience in risk identification and mitigation are considered advantageous. A proactive mindset and excellent interpersonal skills will support success in this role.

Responsibilities

• Analyze financial statements, credit reports, and other relevant data to evaluate the creditworthiness of business members’ requests.
• Perform initial credit analysis to ensure compliance with credit union policies and guidelines.
• Prepare clear and concise credit presentations to support lending decisions.
• Monitor loan collateral, valuations, and inspections to ensure adherence to loan agreements and covenants.
• Assist lenders with ongoing portfolio management and the administration of problem loans.
• Develop and maintain reports on members’ credit obligations and financial performance metrics.
• Gather and organize financial data directly from members as needed to support analysis.
• Ensure accurate data entry and reporting within credit and loan management systems.
• Participate in special projects and contribute to team initiatives aimed at improving credit processes.
• Collaborate effectively with internal teams to support comprehensive credit evaluations and risk management.

Benefits

Superior Choice Credit Union offers a comprehensive benefits package designed to support our employees’ well-being and professional growth. This includes competitive salary packages, health insurance plans, dental and vision coverage, and retirement savings options. We also provide paid time off, professional development opportunities, and a supportive work environment that encourages work-life balance. Our commitment to employee satisfaction and community involvement makes us a rewarding place to build a career in financial services. Additionally, employees have access to ongoing training and resources to enhance their skills and advance within the organization.

Equal Opportunity

Superior Choice Credit Union is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, or any other protected status. We believe that a diverse workforce enhances our ability to serve our members effectively and fosters a culture of innovation, respect, and collaboration.