Senior Credit Analyst

Seattle Credit Union

. Underwrite prospective commercial loans .

Posted 9/15/2026full-timeRemote • United StatesSenior💰 $33 - $50 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial loan underwriting, credit analysis, and financial document evaluation, with a strong focus on compliance with state and federal regulations. Proficient in developing reports and tracking mechanisms to monitor loan portfolios while fostering collaborative relationships across teams.

Highest-signal resume keywords

Commercial Loan UnderwritingCredit AnalysisFinancial Document EvaluationMicrosoft Office ProficiencyCommercial Banking Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Trend AnalysisRatio AnalysisCash Flow AnalysisLoan Policy ComplianceFinancial ReportingConstruction Draw RequestsCredit Memorandum PreparationCollateral AnalysisLoan Covenant Monitoring3rd-Party Appraisal Review

Soft Skills

Excellent Communication SkillsCollaborative Relationship-BuildingDecisivenessCritical ThinkingCustomer Service Skills

Tools & Technologies

NCino Loan Origination SystemMicrosoft OutlookMicrosoft WordMicrosoft ExcelMicrosoft PowerPoint

Certifications & Qualifications

Credit Risk CertificationCommercial Credit Analysis Training

Industry Keywords

Member Business LendingCommunity Bank ExperienceCredit Union ExperienceEnvironmental Phase I ReportsTitle Insurance Commitments

About the role

Key responsibilities & impact

Underwrite prospective commercial loans
Complete construction draw requests
Support completion of the Annual Term Loan Review process
Prepare credit memorandums with supporting documentation for business-loan approval
Review borrower and guarantor documentation for alignment with loan approval and Loan Policy
Analyze financial documents using trend analysis, ratio analysis, cash flow analysis, industry averages, and macro/industry trends
Analyze pledged collateral for compliance with internal loan policy and industry best practices
Provide written overviews of findings from prospective borrower and guarantor financial-document analysis
Work closely with the Senior Credit Officer on the participated loan portfolio
Collaborate with the Senior Credit Officer to refine loan policy and procedures
Develop or refine reports and tracking mechanisms for monitoring the commercial loan portfolio
Track Annual Term Loan Review completion and monitor loan covenants
Work with Loan Officers to obtain required financial reporting from existing borrowers
Mentor and support the Junior Credit Analyst
Collaborate with team members to meet short-term goals and long-term objectives
Communicate professionally with internal and external stakeholders
Support team initiatives, projects, and process improvements

Requirements

What you’ll need

Bachelor’s degree in business, Finance, Accounting or related field strongly preferred
Minimum of five (5)+ years of experience in commercial banking
Minimum of five (5)+ years direct credit analysis and commercial underwriting experience
Proficiency with Microsoft Office applications (Outlook, Word, Excel, PowerPoint)
Experience reading 3rd-party commercial appraisal reports, Environmental Phase I reports, Title Insurance Commitments and Policies, and insurance documentation
Current knowledge of state and federal regulations concerning Member Business Lending
Excellent written, verbal, and interpersonal communication skills
Excellent customer service skills
Collaborative relationship-building skills across the organization
Decisiveness, integrity, flexibility, and critical thinking
Ability to advance efficiencies and engage opportunities that advance automation
Regular and punctual attendance
Completion of a formal commercial credit analysis training program from ABA, Moody’s or RMA preferred, including the Credit Risk Certification designation or similar
Experience with nCino Loan Origination System preferred
Community bank or credit union background and experience preferred
Routine access to a quiet space from which to work
Candidates throughout the US time zones may apply

Benefits

Comp & perks

Employee-paid medical benefits
401(k) matching, with a dollar-for-dollar employer match up to 5%
Low-cost medical contributions
Zero contributions for dental and vision plans
Generous paid time off
Paid time off for volunteering
Paid time off to celebrate your birthday
Opportunities for employees to learn and grow
Inclusive work culture