Search Jobs

The Credit Union is seeking a diligent and knowledgeable full time Commercial Credit Analyst to

join our team in Scappoose, Oregon. This position comes with a full benefit package including a matching

401k and is eligible for remote work.

At the heart of every Credit Union position is a relationship built between you and the members

you serve. Transparency, acceptance of individuality, confidence and strong communication skills are

necessary. You understand that members trust and rely on your assistance daily. Your goal is to exceed

the members expectations in everything you do.

The Commercial Credit Analyst supports the Commercial Services team, and organization, in the

analysis, origination, and servicing of credit relationships maintained in the Commercial Services

Department. The analysist will apply accounting principles that require an understanding of both

accounting theory and practice as well as monitor, analyze and report risks associated in the market,

assets originated, and assets maintained in the Commercial Services Department.

EDUCATIONAL and/or WORK EXPERIENCE REQUIREMENTS

 Must have a minimum of two years of experience in lending, underwriting or financial analysis.

 Requires a minimum of two years of experience in performing accounting functions, including

experience in activities such as contributing to the preparation of financial reports and

conducting analysis of financial data.

 Bachelor’s degree in Accounting, Finance, Business Administration, or a related program

preferred or equivalent in work experience.

A successful Commercial Credit Analyst should be equipped to perform the following:

 Apply knowledge and experience in managing client relationships, monitoring loan covenants,

identifying risk, and utilizing loss mitigation tools.

 Prepare commercial loan credit presentations with a recommendation to credit administration

for review.

 Perform annual reviews on existing loans and relationships by utilizing updated financial

information, verifies that borrowers are meeting minimum lending guidelines, measures loan

covenants, identify risk, loss mitigation, identifies trends of the borrower, industry peer‐to‐peer

analysis and the overall lending and credit climate.

 Input and understand financial information using tax analysis software; analyze financial data,

such as tax returns, profit & loss statements, balance sheets, debt schedules and other financial

documents, to identify trends, patterns, or warnings indicating threats to the security of Credit

Union assets, information, or infrastructure. Projects accounting data through prudent

assumptions to show the effects of proposed plans on capital investments, income, cash

position, and overall financial condition.

 Obtain and review borrower(s) and guarantor(s) credit reports to evaluate and measure credit

worthiness.

 Prepare and provide credit approval and risk rating recommendations based on financial and

risk analyses.

 Review and understand third party reports, such as appraisals, appraisal reviews, and

environmental reports, to assess any concerns, risks, and recommendations.

 Evaluate credit presentations and periodic reviews generated by others for accuracy and

completeness.

 Adhere to the Credit Union’s commercial lending policies and procedures while performing

all functions and job duties of this role.  

Commercial Credit Analyst

The Credit Union is an Oregon-based not-for-profit financial institution. We are that

trusted resource for our members and communities. We’re here to deliver the financial expertise our

members want and need, from affordable loans and financial resources, to money saving advice and

planning. When our members succeed, so does the credit union. Our employees are a vital part of that

success. Transparency, celebration of individuality, confidence, the ability to work with members to

achieve their financial goals and dreams, and strong communication skills are necessary for any

successful candidate.

Together we are the Credit Union.

If you feel a connection to our credit union after reading a little about the position and our organization,

and you meet minimum qualifications, submit your employment information (letter of interest, resume

and application) as soon as possible. This position will remain posted until filled.

We are an equal employment opportunity employer.