Commercial Credit Analyst II

Golden 1 Credit Union

Commercial Credit Analyst II assessing complex commercial loans for a Sacramento credit union. Analyzing cash flow, financial statements, collateral, and credit risk while mentoring junior analysts.

Posted 8/6/2026full-timeRemote • California • 🇺🇸 United StatesMid-LevelSenior💰 $77,500 - $90,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial credit analysis, including risk assessment, financial projections, and compliance with lending standards. Proficient in mentoring staff and maintaining relationships with internal and external stakeholders.

Highest-signal resume keywords

Commercial Credit AnalysisRisk AnalysisFinancial ProjectionsLoan Origination SystemsCompliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisRisk RatingLoan StructuringFinancial Statement InterpretationTax Return AnalysisCash Flow AnalysisCommercial Underwriting StandardsLoan Credit Memo ProductionAutomated Loan Origination SystemsFinancial Projections

Soft Skills

Analytical SkillsOrganizational SkillsAttention to DetailEffective CommunicationMentoring

Tools & Technologies

Microsoft ProgramsLoan Origination Systems

Industry Keywords

BSAAMLTILAHMDAGLBAFair LendingCredit Union ComplianceCommercial Lending TypesRegional Lending Market Conditions

About the role

Key responsibilities & impact

Review, analyze, and evaluate complex secured and unsecured commercial loan applications
Perform risk analysis, spreading, risk rating, and loan structuring for underwriters
Ensure transactions are accurate, complete, and compliant
Analyze credit history, cash flow, tax returns, and financial statements to assess repayment capacity
Complete financial projections and prepare clear credit analyses and reports
Receive and screen initial loan application packages and assist with loan sizing and structure
Identify unanswered questions and engage loan officers or applicants for clarification
Make recommendations and assist with commercial lending product, policy, and procedure updates
Train personnel on lending policies and procedures
Provide work direction, feedback, and training to less experienced staff
Mentor others in credit analysis and department procedures
Assist with loan origination analysis or credit review analysis as organizational needs require
Maintain relationships with members and internal/external originators
Perform other duties as assigned

Requirements

What you’ll need

Successful completion of High School curriculum required
Associates degree preferred
Minimum 4 years of commercial credit analysis experience using a loan origination system
Experience assisting in production of loan credit memos explaining credit facility risks and mitigants
Ability to spread and interpret tax returns and financial statements of varying quality
Ability to complete financial projections
Thorough understanding of commercial underwriting standards, risk philosophy, credit culture, and market conditions
Knowledge of BSA, AML, TILA, HMDA, GLBA, Fair Lending, and other applicable credit union compliance requirements
Strong analytical and organizational skills with attention to detail
Ability to calculate figures and amounts and apply logical reasoning
Knowledge of commercial credit analysis across multiple commercial lending types
Proficiency analyzing business cash flow, rental income cash flow, UCA cash flow, and global cash flow
Understanding of regional lending market conditions and collateral values
Understanding of automated loan origination systems
Proficiency with standard Microsoft programs and other computer operations
Effective oral and written communication skills
Ability to prioritize multiple objectives in a fast-paced, flexible, production-oriented department
High degree of integrity and sound judgment for fair lending recommendations
No licenses or certifications required

Benefits

Comp & perks

Salary of $77,500.00–$90,000.00 annually
Remote work arrangement