Signal Financial Federal Credit Union
Commercial Credit Analyst
Signal Financial Federal Credit Union, Kensington, Maryland, us, 20891
Position Description
This role plays a critical part in the credit decision-making process by delivering objective, well-supported financial analysis, and ensuring accurate reporting and documentation across all loan files. The ideal candidate will have a solid foundation in financial statement analysis, credit risk assessment, and commercial lending fundamentals, along with excellent communication skills and a commitment to accuracy and objectivity.
Position Responsibilities
Credit Analysis & Risk Assessment:
Independently analyze the creditworthiness of commercial borrowers and guarantors.
Assess the adequacy of proposed or existing collateral and evaluate marketability and enforceability.
Identify and quantify the level of risk associated with new loan requests and existing loans.
Perform detailed financial analysis, including:
Cash flow modeling
Financial ratio and trend analysis
Debt service coverage evaluation
Working capital and liquidity assessment
Provide unbiased, data-driven risk rating recommendations for each borrower relationship.
Documentation & Reporting:
Prepare clear and concise credit memos and loan presentations for Commercial Loan Officers and approval committees.
Review and/or validate the third-party review of appraisals for commercial real estate collateral.
Ensure quality control over:
Loan documentation completeness and accuracy
Loan file organization and audit readiness
Data integrity in the core loan system
Accurate loan reporting systems and tracking tools
Position Requirements
Bachelor's degree in finance, accounting, economics, business administration, or a related field.
1-3 years of experience in commercial credit analysis, commercial lending, or financial services.
Strong understanding of financial statement analysis, commercial loan structures, and credit risk assessment.
Proficiency in spreadsheet modeling with Microsoft Excel and financial software tools.
Exceptional attention to detail, critical thinking, and problem-solving skills.
Ability to present complex financial information clearly in both written and verbal formats.
High level of accuracy and integrity when handling sensitive credit information.
Preferred Attributes
Familiarity with NCUA commercial lending guidelines and credit union MBL practices.
We are proud to be an Equal Employment Opportunity (EEO). Signal Financial Federal Credit Union does not discriminate against any applicant or employee based on race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by federal, state, or local laws.
This role plays a critical part in the credit decision-making process by delivering objective, well-supported financial analysis, and ensuring accurate reporting and documentation across all loan files. The ideal candidate will have a solid foundation in financial statement analysis, credit risk assessment, and commercial lending fundamentals, along with excellent communication skills and a commitment to accuracy and objectivity.
Position Responsibilities
Credit Analysis & Risk Assessment:
Independently analyze the creditworthiness of commercial borrowers and guarantors.
Assess the adequacy of proposed or existing collateral and evaluate marketability and enforceability.
Identify and quantify the level of risk associated with new loan requests and existing loans.
Perform detailed financial analysis, including:
Cash flow modeling
Financial ratio and trend analysis
Debt service coverage evaluation
Working capital and liquidity assessment
Provide unbiased, data-driven risk rating recommendations for each borrower relationship.
Documentation & Reporting:
Prepare clear and concise credit memos and loan presentations for Commercial Loan Officers and approval committees.
Review and/or validate the third-party review of appraisals for commercial real estate collateral.
Ensure quality control over:
Loan documentation completeness and accuracy
Loan file organization and audit readiness
Data integrity in the core loan system
Accurate loan reporting systems and tracking tools
Position Requirements
Bachelor's degree in finance, accounting, economics, business administration, or a related field.
1-3 years of experience in commercial credit analysis, commercial lending, or financial services.
Strong understanding of financial statement analysis, commercial loan structures, and credit risk assessment.
Proficiency in spreadsheet modeling with Microsoft Excel and financial software tools.
Exceptional attention to detail, critical thinking, and problem-solving skills.
Ability to present complex financial information clearly in both written and verbal formats.
High level of accuracy and integrity when handling sensitive credit information.
Preferred Attributes
Familiarity with NCUA commercial lending guidelines and credit union MBL practices.
We are proud to be an Equal Employment Opportunity (EEO). Signal Financial Federal Credit Union does not discriminate against any applicant or employee based on race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by federal, state, or local laws.