Commercial Credit Analyst

Commercial Credit Analyst

Join Our Team at Superior Choice Credit Union! Are you a numbers-driven problem solver who enjoys digging into financial details and turning data into meaningful insights? Do you take pride in accuracy, organization, and supporting smart lending decisions? If so, we’d love to meet you!

At Superior Choice Credit Union, our Credit Analysts are more than financial reviewers. They are trusted partners, risk assessors, and key contributors who help support responsible commercial lending decisions for our members and communities.

Work Location

This is a fully remote position. Candidates must reside in the Twin Cities, Twin Ports, or surrounding areas. Occasional travel may be required for meetings, training, team events, and other business-related needs.

What You’ll Do

As a Commercial Credit Analyst, you’ll work closely with lenders to evaluate commercial credit requests, assess risk, and provide clear, accurate analysis that supports thoughtful lending decisions.

Analyze financial statements, tax returns, cash flow reports, and credit reports to assess the strength of commercial credit requests

Perform detailed commercial credit analysis to determine alignment with credit union lending policies and risk standards

Prepare clear, thorough, and concise credit presentations and recommendations for lending decisions

Monitor loan collateral, valuations, inspections, and covenant compliance

Support lenders with portfolio management and ongoing credit monitoring

Prepare and maintain reports related to borrowers' financial performance and credit obligations

Collect, review, and organize financial information from business members

Update and maintain credit and loan systems with accurate data entry and reporting

Assist with problem loan administration and special projects as needed

Represent SCCU's mission of improving the financial well-being of our members

What Makes You a Great Fit?

You enjoy analyzing financial information and turning complex details into clear recommendations. You’re dependable, detail-oriented, and comfortable collaborating with lenders, members, and internal teams.

Minimum of 2 years of commercial credit analysis experience required

Experience in commercial credit analysis, commercial underwriting, commercial lending, business banking, or a related field

Strong understanding of commercial financial statements, tax returns, cash flow analysis, debt service coverage, and credit risk assessment

Experience with Sageworks is strongly preferred

Must reside in the Twin Cities, Twin Ports, or surrounding areas and be able to travel occasionally as needed

Highly organized, detail-oriented, and committed to accuracy

Ability to communicate complex financial concepts clearly and professionally

Strong time management skills with the ability to manage multiple priorities and deadlines

Proficient with Microsoft Office and financial analysis software

Able to work independently while collaborating effectively with lenders and team members

Bonus Points If You:

Have experience working with commercial or business lending portfolios

Are skilled at identifying potential risks and offering proactive solutions

Enjoy building relationships with internal teams and supporting lenders

Thrive in a fast-paced environment where no two days are exactly the same

What Success Looks Like:

Accurate, thorough credit analysis that supports strong lending decisions

Well-prepared credit presentations that clearly communicate risk and opportunity

Timely and compliant reporting on credit activity and loan performance

Strong collaboration with lenders and internal partners

Maintaining high standards of confidentiality, professionalism, and service

At Superior Choice Credit Union, we’re more than a financial institution. We’re a team of people who genuinely care about our members, our communities, and each other.

When you join SCCU, you’ll find meaningful work that impacts our members’ lives, opportunities for professional growth and development, a supportive team environment, and a culture built on service, teamwork, and community involvement.

The Best Part?

Every analysis tells a story. One moment you’ll be reviewing financial statements, and the next you’ll be helping lenders make informed decisions that support local businesses and strengthen financial futures.

Ready to use your analytical skills in a role that makes a real impact? Apply today and become part of the Superior Choice Credit Union family!