Commercial Credit Analyst

Title: Commercial Credit Analyst

Department: Commercial Lending

Reports To: Commercial Lending Operations Manager

Job Grade: 12

FLSA: Exempt Last Modified: 7/11/2025

It's a Job ... Only Better!

At UKFCU, we're more than a Credit Union - we're a community, and we've been proudly serving our members since 1937! As a rapidly growing, not-for-profit organization, we're dedicated to making a real difference in the lives of our members and employees alike. If you're looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for you!

Why This Role Matters

As a Commercial Credit Analyst, you will play a key role in evaluating the creditworthiness of commercial loan applicants. By performing in-depth financial analysis and collaborating with the Commercial Relationship Officers, your work ensures strong credit decisions and supports the overall safety and soundness of the commercial loan portfolio. You'll contribute to our mission by helping businesses thrive while minimizing risk through accurate assessments and thoughtful recommendations.

What You'll Do

Core Responsibilities

• Credit Analysis: Analyze financial statements and business documentation for new and existing business loans to assess creditworthiness and risk.
• Loan Review: Prepare detailed, objective written credit analyses and present findings to staff with lending authority per the Business Loan Policy.
• Annual Reviews: Conduct timely financial reviews to update risk ratings and monitor ongoing borrower performance.
• Market Awareness: Maintain knowledge of economic trends and industry risks affecting loan quality and member businesses.
• Underwriting: Exercise delegated underwriting authority as defined in the Business Loan Policy.
• Operational Support: Assist with commercial loan processing from application to closing to ensure accuracy and efficiency.
• Team Collaboration: Work closely with Commercial Relationship Officers and the commercial lending team to deliver cost-effective, member-focused solutions.

Who You Are

Experience & Education

• 3-5 years of commercial credit analysis or related experience
• Bachelor's degree or equivalent experience

Skills & Strengths

• Proficiency in understanding and spreading business and personal tax returns
• Strong analytical and organizational skills with the ability to prioritize multiple projects
• Excellent written and verbal communication abilities
• Able to develop strong professional relationships and interact with members, colleagues, and external partners with discretion and diplomacy
• Self-motivated, adaptable, and detail-oriented with a commitment to producing timely, accurate work
• Ability to work independently and make sound, data-driven recommendations

Key Traits

• Maintains the highest level of integrity and confidentiality
• Brings a collaborative, solution-focused mindset
• Applies professionalism and judgment in all interactions
• Driven to support financial success of UKFCU and its members

What's in It for You?

• Competitive salary and industry-leading benefits.
• Opportunities for professional growth and leadership development.
• A chance to make a lasting impact on our members and the organization's future.

Legalese

Equal Opportunity Employer

UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law.

At-Will Employment

Employment with UKFCU is deemed "at-will," which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law.

Physical and Cognitive Demands

This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). You'll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion.

Work Environment

You'll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.

This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks, and employees may be asked to take on additional duties to support team success.