Senior Commercial Credit Analyst (Hybrid)

DFCU Financial; Dearborn (MI); Hybrid; USD 85,000 - 120,000; Full time

Benefits offered by this job

Hybrid work schedule

401k match

Tuition reimbursement

Paid time off

Paid holidays

Job summary

DFCU Financial in Dearborn, MI seeks a Sr Credit Analyst to underwrite and analyze commercial loan requests, including CRE, C&I, and working capital facilities. You will review financial statements, collateral, and industry risk to support sound lending decisions.

Join a leading credit union offering hybrid work, strong benefits and opportunities for professional development while collaborating with business bankers, portfolio managers and credit teams to manage risk and portfolio performance.

Qualifications

• Bachelor’s degree in finance, accounting, economics, or related field.
• 5+ years of commercial credit analysis or underwriting.
• Experience with small business to middle-market lending.
• Strong GAAP knowledge and cash flow analysis.
• Ability to present at lending committees.
• SBA lending experience is a plus.
• Proficient in Microsoft 365.
• Excellent interpersonal and teamwork skills.

Responsibilities

• Underwrite and analyze CRE, C&I, working capital, equipment financing, acquisition and other commercial credit requests.
• Analyze financial statements, tax returns, borrowing base reports, projections and other borrower data for cash flow and risk.
• Evaluate collateral, guarantor support and real estate appraisals.
• Perform industry, market and competitive analyses affecting portfolio quality.
• Prepare credit memorandums, loan presentations and approvals/denials.
• Conduct annual and interim reviews and maintain risk ratings.
• Ensure compliance with regulatory requirements and underwriting standards.
• Participate in loan reviews and credit committee meetings.
• Collaborate with bankers, portfolio managers and operations to support portfolio management.
• Mentor other analysts on underwriting practices and development.

Skills

Credit analysis

Underwriting

Financial analysis

GAAP knowledge

Regulatory compliance

Portfolio management

Analytical skills

Team collaboration

Education

Bachelor's degree

Tools

Microsoft 365

Job description

DFCU Financial in Dearborn, MI seeks a Sr Credit Analyst to underwrite and analyze commercial loan requests, including CRE, C&I, and working capital facilities. You will review financial statements, collateral, and industry risk to support sound lending decisions.

Join a leading credit union offering hybrid work, strong benefits and opportunities for professional development while collaborating with business bankers, portfolio managers and credit teams to manage risk and portfolio performance.