Commercial Credit Analyst

Atlantic Union Bank

Commercial Credit Analyst managing underwriting and monitoring of Wholesale and Business Banking Loan Portfolio. Preparing financial analysis and collaborating with Credit Administration and Lines of Business.

Posted 5/15/2026full-timeRemote • Virginia • 🇺🇸 United StatesMid-LevelSenior💰 $55,639 - $83,538 per yearWebsite

About the role

Key responsibilities & impact

Responsible for the completion of analytical tasks associated with underwriting and monitoring of the Wholesale and Business Banking Loan Portfolio.
Preparation of corporate and personal financial statement spreads, global cash flow analyses, monthly borrowing base testing, and tracking of the Commercial Loan Portfolio.
Monitor credit policy exceptions and covenant compliance.
Review loan submissions to Centralized Credit and Monitoring for completeness and accuracy.
Collaborate with employees within both Credit Administration and the Lines of Business.
Conduct initial underwriting assessment for probable decline based on credit reports, collateral LTV, and other credit characteristics.
Perform stress testing on the Commercial Real Estate Portfolio.
Complete industry research and market data as requested by Relationship Managers and Credit Officers.

Requirements

What you’ll need

Bachelor’s degree in Accounting, Business or Finance and/or equivalent experience desired
Three or more years banking experience with emphasis on commercial documentation, policy, and financial analyses
Advanced written and analytical skills to assess trends and document conclusions
Knowledge of commercial lending, including legal documentation
Familiarity with general commercial lending policies, including FIRREA and FDICIA
PC proficiency and experience with word processing and spreading software including the use of system and user generated formulas, macros, charts, and tables
Knowledge of Generally Accepted Accounting Principles.
Ability to research industry sources needed for credit evaluations.
Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
Ability to manage multiple projects at one time.

Benefits

Comp & perks

General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits .

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Hard Skills & Tools

financial analysiscredit assessmentstress testingcash flow analysisloan portfolio monitoringcommercial lendingfinancial statement preparationcredit policy compliancelegal documentationGenerally Accepted Accounting Principles

Soft Skills

analytical skillswritten communicationorganizational skillstime managementself-managementproject management