Credit Analyst, Business Banking

Altra Federal Credit Union; Onalaska (WI); On-site; USD 60,000 - 85,000; Full time

Job summary

Altra Federal Credit Union in Wisconsin invites applications for a Credit Analyst, Business Banking. You will support Relationship Managers with analysis, origination, and monitoring of business loans, ensuring compliance with policies and regulations.

You will evaluate financial statements, identify credit risks, prepare loan presentations, and help move requests through underwriting and approval processes, partnering across teams to deliver timely, accurate decisions.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Management, or related field.
• 2+ years of banking experience required.
• 1+ year of commercial banking experience preferred.

Responsibilities

• Review initial business loan applications and gather information for credit decisions and reviews.
• Track loan applications and maintain pipeline reporting.
• Prepare loan files, credit memorandums, and presentations for underwriting and approval.

Skills

Financial statement analysis

Analytical thinking

Credit analysis

Communication skills

Education

Bachelor’s degree in Finance, Accounting, Business Management, or related field

Job description

Careers

Join the Team

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Position: Credit Analyst, Business Banking

Location: 1821 Main Street Onalaska, WI

Job Id: 178

# of Openings: 1

As Altra Federal Credit Union celebrates 95 years of serving members, we are looking for a detail-oriented Credit Analyst, Business Banking, to join our team. This position supports Relationship Managers with the analysis, origination, and ongoing monitoring of business loans while helping ensure commercial lending activities follow Altra’s policies and applicable regulations.
As a Credit Analyst, you will evaluate financial information, identify credit risks, prepare clear loan presentations, and help move business loan requests efficiently through the underwriting and approval process.

Key Responsibilities

• Review initial business loan application packages and follow up for documentation or information needed to complete credit decisions and reviews.
• Track outstanding loan applications and maintain accurate pipeline reporting.
• Prepare loan files, credit memorandums, and loan presentations for underwriting, approval, the Member Business Lending Loan Committee, or Altra’s Board.
• Analyze financial statements and spread financial information using Altra’s approved format.
• Prepare annual reviews for business loan and significant deposit relationships.
• Maintain financial information and loan-documentation tracking reports.
• Process credit references, verify deposit balances, and report payment performance for appropriately submitted requests.
• Partner with Relationship Managers and WBD to collect and review information for SBA and other government-guaranteed loan applications.
• Support state and federal examinations and other audit activities.

Qualifications

• A bachelor’s degree in Finance, Accounting, Business Management, or a related field required. Additional experience may be considered in lieu of degree.
• 2+ years of banking experience required.
• 1+ year of commercial banking experience preferred.

Skills & Abilities

• A strong understanding of accounting concepts and financial statement analysis.
• The ability to read, analyze, and interpret complex documents and business loan documentation.
• Strong analytical, problem-solving, and critical-thinking abilities.
• Excellent written and verbal communication skills.