Senior Credit Analyst

Partners 1st Federal Credit Union; Fort Wayne (IN); On-site; USD 75,000 - 105,000; Full time

Benefits offered by this job

Competitive salary

Paid illness leave

Paid vacation

Holidays

Medical insurance

Dental insurance

Vision insurance

Life insurance

401(k) match

Tuition reimbursement

Weekly pay

Professional office environment

Job summary

Partners 1st Federal Credit Union seeks a Senior Credit Analyst to evaluate complex commercial and CRE loan requests, including financial statement and cash flow analyses, to determine repayment ability and risk. You will prepare comments to guide sound credit decisions and work with teams to structure appropriate solutions.

The role requires advanced analytical skills, strong collaboration, and knowledge of lending software. Location is Fort Wayne, IN with potential remote work per policy.

Qualifications

• 5+ years of direct experience in commercial credit analysis.
• Strong knowledge of financial statement and cash flow analysis.
• Experience evaluating credit risk and structuring loan solutions.

Responsibilities

• Initiate preliminary financial analyses to determine loan viability.
• Recommend loan structures, covenants, and reporting requirements.
• Perform periodic credit reviews of relationships per policy.
• Train and mentor credit team members.
• Participate in onsite visits with lenders for loan projects.
• Support loan documentation, funding, and servicing activities.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Risk assessment

Credit policy

Education

Bachelor's degree in accounting/finance

Tools

Microsoft Excel

Commercial lending software

Job description

Description

Partners 1st Federal Credit Union will provide U with a competitive salary, paid illness, vacation, holidays, medical/dental/vision/life insurance, generous 401(k) retirement plan with company matches, tuition reimbursement, weekly pay, and a professional and fun office working environment.

Are U willing to provide our members with your enthusiasm for service, integrity to become their trusted financial partner, create and support quality teamwork among staff and able to apply your knowledge, skills and experience with member service and problem solving to accomplish important and meaningful work.

This position is for U if you are an outstanding problem solver, excellent at working in a team setting, have advanced analytical skills and profound knowledge of commercial lending, and able to work at our Directors Row location, Fort Wayne, IN, full-time, 40hrs/wk, with a schedule of:

Mon-Fri: 8:00am-5:00pm

Role

Senior Credit Analyst is responsible for analyzing complex commercial and commercial real estate loan requests by completing financial statement, cash flow, and collateral analyses; evaluating the repayment ability of the business or real estate project; identifying strengths, weaknesses, risks, and mitigating factors; and preparing written comments to facilitate sound credit decisions.

Major Duties and Responsibilities

• 35% Initiate preliminary financial statement, cash flow, and collateral analyses on all loan requests to determine if they are viable
• 35% Recommend appropriate loan structure, financial reporting requirements, and financial covenants on viable loan requests; complete comprehensive financial statement, cash flow, and collateral analyses; and prepare credit memos to facilitate sound credit decisions
• 10% Perform periodic credit reviews on aggregate relationships as required by commercial loan policy
• 10% Train, develop, and mentor credit team members
• 5% Participate in onsite visits with commercial lenders to businesses and real estate projects as necessary
• 5% Provide support for loan document preparation, loan funding, loan booking, loan servicing, loan administration, and any other operational needs

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, in addition to all company policies

This role requires behaviors and actions that reflect the credit union's culture, mission, and core values through exceptional service that supports both employees and members. A strong commitment to service excellence and member-focused solutions is essential to the success of this position and the credit union

Requirements

Knowledge and Skills

Experience

5 or more years of direct experience in commercial credit analysis.

Education/Certifications/Licenses

Bachelor’s degree in accounting, finance, actuarial science, or other related discipline.

Interpersonal Skills

Outstanding written and verbal communication skills.

Other Skills

Excellent technical, analytical, problem-solving, and teamworking skills, along with being an advanced user of Microsoft Excel and commercial lending software applications.

ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.

Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. This position has the ability to do work remote. Must follow remote work agreement.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clear and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.