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Commercial Credit Analyst

Suncoast Credit Union
Tampa, FL Full Time
POSTED ON 3/2/2025
AVAILABLE BEFORE 6/2/2025

Overview

Compensation : $79,000 - $112,000 based on experience and credentials

Location Type : Hybrid opportunity with 2-3 days a week of onsite availability

Position Type : Full Time

Schedule : Monday through Friday 8 : 00 AM - 5 : 00 PM

The Commercial Credit Analyst underwrites commercial and small business loan requests greater than $250,000. Key responsibilities include reviewing and analyzing file information such as CPA quality financials, tax returns, credit reports, appraisals, other research, and market data. An ideal candidate is a detailed-oriented, self-motivated individual who successfully manages responsibilities to meet deadlines.

Responsibilities

  • Prepare detailed Credit Action Memorandum (CAM) recommendations to present to the decision-makers and the credit committee
  • Gather the applicant's financial information and perform a detailed analysis of financial data and other relevant information
  • Prepare financial spreads to generate financial ratios and evaluate a borrower's financial status
  • Determine the borrower's cash flow and capacity to service debt
  • Summarize borrower's financial statements and historical performance
  • Detail identifiable risks associated with the credit quality of loans and collateral
  • Interpret financial data and make loan recommendations to lenders and the loan committee
  • Collaborate with the loan officer on any identified financial deterioration of the borrower
  • Monitor maturing loans and gather the necessary information to consider extensions or modifications
  • Maintain knowledge and understanding of current trends, laws, and issues affecting the area of expertise
  • Attend educational events to increase professional knowledge

Qualifications

  • Bachelor's degree in a business-related field (A comparable combination of work experience and training may be substituted for education requirements)
  • 5 years of commercial or business lending experience with a financial institution including underwriting traditional credits
  • Excellent knowledge and understanding of commercial lending products, services, policies, and procedures
  • Excellent financial analysis skills
  • Knowledge of banking regulations and best practices.
  • Ability to prioritize tasks by effectively managing competing and changing priorities to meet required deadlines
  • Accurate, detail-oriented, and organized with task management
  • Ability to resolve difficult and complex problems
  • Strong written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators
  • Ability to influence others regarding policies, practices, and procedures
  • Strong knowledge and understanding of regulatory compliance to successfully perform job responsibilities
  • Must maintain a high level of confidentiality

    • Benefits

  • Financial Well-Being : Bonus Program up to 12%, 401K Matching up to 8%, Retirement Planning, Pay Increases based on Competency, Employee Loan Discounts, Flex Spending Accounts
  • Wellness : Medical Coverage, Dental and Vision Coverage, Access to 4,000 Gyms, Mental Health Resources, PTO Wellness Days, Short Term and Long Term Disability Coverage
  • Work-Life Balance : 11 Paid Holidays, 3 weeks of Paid Time Off, 4 weeks of Paid Parental Leave, Birthday PTO
  • Community Involvement : Paid Volunteer Hours
  • Growth : Degree Assistance up to $5,000 per year

    • For more information, including additional benefits, please visit our benefits website at

    Company Overview

    Suncoast Credit Union is consistently chosen as a Tampa Bay Times Top Workplace because its employees genuinely #LOVEWORK! Employees flourish in an inclusive culture celebrating growth and prioritizing the community. Chartered in 1934.

    For more information, please visit our careers site at

    Salary : $79,000 - $112,000

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