Credit Analyst: Cash Flow & Underwriting Expert

Penn State Federal Credit Union; Bellefonte (Centre County); On-site; USD 60,000 - 80,000; Full time

Job summary

Penn State Federal Credit Union is seeking a detail-oriented Credit Analyst to join our Business Lending Department in State College area. You will assess creditworthiness, analyze financial data, and support lending decisions through cash flow analyses and underwriting.

The role requires strong financial concepts, meticulous analysis, and the ability to prepare clear, actionable reports for management. Collaboration with other departments is essential to maintain sound credit policies.

Qualifications

• Associate's degree in finance, accounting, economics, or related field with two years of experience.
• Clean credit report and ability to pass background check and bond requirement.
• Strong cash flow analysis, underwriting, and tax implication knowledge.
• Proficient in financial modeling and forecasting techniques.
• Excellent analytical and detail-oriented mindset.
• Clear and effective communication; team-oriented.

Responsibilities

• Collect data to evaluate creditworthiness of individuals and businesses.
• Perform cash flow analysis to assess financial health.
• Review financial statements, tax returns, and documents for underwriting.
• Model forecasts to assess risk and returns.
• Back up Credit Support by documenting and booking loans.
• Collaborate with departments to align credit policies.
• Prepare reports summarizing findings and recommendations for management.

Skills

Cash flow analysis

Underwriting

Financial modeling

Analytical skills

Communication skills

Education

Associate's degree in finance

Job description

Penn State Federal Credit Union is seeking a detail-oriented Credit Analyst to join our Business Lending Department in State College area. You will assess creditworthiness, analyze financial data, and support lending decisions through cash flow analyses and underwriting.

The role requires strong financial concepts, meticulous analysis, and the ability to prepare clear, actionable reports for management. Collaboration with other departments is essential to maintain sound credit policies.