Senior Commercial Credit Analyst – Risk & Underwriting

WEX; Maine; On-site; USD 64,000 - 79,000; Full time

Job summary

WEX is seeking a Credit Analyst to provide quality credit and financial analysis supporting the Commercial Credit Risk function. You will analyze medium to large commercial loans, interpret financial statements, and present recommendations to bank leadership and sales teams.

Responsibilities include handling complex credit decisions, preparing complete credit packages, and applying policy and industry standards.

Qualifications

• High School Diploma; Bachelor's degree preferred.
• 5–8 years of experience in Commercial Credit Risk Analysis and underwriting.
• Advanced understanding of financial statement interpretation.
• Knowledge of foreign currency conversions and ability to work in multiple currencies.

Responsibilities

• Perform advanced financial/risk analysis for commercial credit lending on the existing customer portfolio with credit limits >$150K.
• Utilize commercial credit reports and third-party data to make credit decisions per approved policy.
• Approve/decline credit requests within personal credit authority.
• Prepare and present complete credit packages for management and Bank Loan Committee.
• Recommend improvements to strategy, policy and procedures.

Skills

Credit risk analysis

Underwriting

Financial statement analysis

Excel

Communication skills

Education

High School Diploma

Bachelor’s degree in accounting, finance, or business

CBA/CBF accreditation (preferred)

Tools

D&B

Equifax

Job description

WEX is seeking a Credit Analyst to provide quality credit and financial analysis supporting the Commercial Credit Risk function. You will analyze medium to large commercial loans, interpret financial statements, and present recommendations to bank leadership and sales teams.

Responsibilities include handling complex credit decisions, preparing complete credit packages, and applying policy and industry standards.