NPAworldwide
Are you a detail-oriented financial analyst with a passion for commercial lending? We are seeking a talented
Commercial Credit Analyst
to join a dynamic lending team. This role offers the opportunity to make a real impact by assessing the creditworthiness of commercial borrowers, supporting business growth, and contributing to a member-focused financial culture.
Key Responsibilities
Analyze financial statements, tax returns, bank statements, and cash flows to assess creditworthiness of commercial borrowers. Review and prepare credit files in collaboration with Commercial Relationship Officers (CROs). Exercise prudent lending judgment to recommend approval, denial, or modification of loan transactions. Develop and maintain spreadsheets, financial models, and reports to support credit analysis. Conduct annual reviews of Member Business Loans and ensure compliance with federal and state regulations. Prepare loans for SBA submission and ensure proper documentation of appraisals, environmental reports, and other required materials. Present analysis, findings, and recommendations to management regarding borrower risk and repayment capacity. Track loan applications, documentation, and annual reviews from application to closing. Maintain professional relationships with members, business contacts, and internal teams, providing outstanding service and support. Participate in special projects and assist branches or related departments as needed.
Commercial Credit Analyst
to join a dynamic lending team. This role offers the opportunity to make a real impact by assessing the creditworthiness of commercial borrowers, supporting business growth, and contributing to a member-focused financial culture.
Key Responsibilities
Analyze financial statements, tax returns, bank statements, and cash flows to assess creditworthiness of commercial borrowers. Review and prepare credit files in collaboration with Commercial Relationship Officers (CROs). Exercise prudent lending judgment to recommend approval, denial, or modification of loan transactions. Develop and maintain spreadsheets, financial models, and reports to support credit analysis. Conduct annual reviews of Member Business Loans and ensure compliance with federal and state regulations. Prepare loans for SBA submission and ensure proper documentation of appraisals, environmental reports, and other required materials. Present analysis, findings, and recommendations to management regarding borrower risk and repayment capacity. Track loan applications, documentation, and annual reviews from application to closing. Maintain professional relationships with members, business contacts, and internal teams, providing outstanding service and support. Participate in special projects and assist branches or related departments as needed.