Commercial Credit Analyst II

Posted Wednesday, August 5, 2026 at 5:00 AM JOB TITLE: Commercial Credit Analyst II

DEPARTMENT

Business Services

STATUS

Exempt

JOB CODE

11116 PAY SCALE: $77,500.00 - $90,000.00 Annually

GENERAL DESCRIPTION

Commercial Credit Analyst II is responsible for performing risk analysis for complex secured and unsecured commercial loans. The credit analyst reviews, analyzes, and evaluates commercial loan applications. The credit analyst will be responsible for the accuracy of financial spreads provided to the underwriter with notes to explain analyst estimates, projections, or discrepancies. The credit analyst will maintain and strengthen relationships with members, and internal/ external originators. A Credit Analyst will mentor less senior analysts and be prepared to assist in more complex credit transactions outside of other’s experience level. Maintain a thorough understanding of the credit union’s commercial underwriting standards, risk philosophy, credit culture and market conditions. Exhibits good leadership ability.

TASKS, DUTIES, FUNCTIONS

* Review, analyze, and evaluate loan applications based on established policies, guidelines, and procedures, and apply knowledge of spreading, risk rating and loan structuring to provide a clear analysis to the supporting underwriter.

* Review and ensure the transaction is accurate, complete and compliant.

* Analyze credit history to determine propensity for repayment.

* Analyze cash flow from various sources including reliability for future repayment.

* Evaluate required documentation for accuracy and truthfulness.

* Analyst must be able to spread and interpret tax returns, financial statements of varying quality, and complete projections for review of approval authorities.

* Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance- including BSA, AML, TILA, HMDA, GLBA, Fair Lending, and others