Company Overview:

Nutmeg State Financial Credit Union (NSFCU) is a values-driven organization committed to intentional actions and investments to “be the change” in our community.

Our Core Focus is to empower members and families to achieve stability, seize opportunity, and build legacy. We deliver relationship-based, impact-driven, purposeful financial solutions in a cooperative ecosystem.

Our Core Values are Integrity, Responsibility, Empathy, and Engagement.

Position Description:

The primary purpose of this position is to analyze commercial lending opportunities by evaluating borrower financial information, assessing credit risk, and preparing comprehensive credit recommendations that support sound lending decisions, portfolio quality, and Nutmeg’s business banking objectives.

Essential Functions:

Commercial Credit Analysis and Underwriting

Analyze business and personal financial statements
Evaluate cash flow, leverage, liquidity, and repayment capacity
Perform global cash-flow and guarantor analysis
Prepare credit analysis and underwriting recommendations

Credit Structuring and Risk Assessment

Evaluate collateral, LTV, guarantees, and loan structure
Identify key credit risks and mitigating fa
Support covenant and loan-condition development
Apply commercial credit policy and underwriting standards

Credit Memorandum and Documentation

Prepare credit presentations and approval packages
Maintain accurate underwriting documentation
Coordinate financial information and due diligence req
Support approval and closing processes

Portfolio Monitoring and Annual Reviews

Complete annual and periodic credit reviews
Monitor financial performance and covenant compliance
Identify emerging credit deterioration
Support risk-rating and watch-list processes

Credit Quality and Portfolio Intelligence

Monitor portfolio concentrations and credit trends
Support criticized/classified loan reporting
Provide portfolio and credit-quality analysis
Support examinations, audits, and credit-quality reviews

Responsibilities listed reflect general responsibilities of this position and are not to be construed as an exhaustive list of all duties. Other duties may be performed as needed.

Qualifications:

Experience, Education & Credentials:

A bachelor's degree in accounting, finance, economics or related field is required.
A minimum of five years of prior experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis is required.
Experience with Corelation Keystone, Jack Henry Symitar, SageWorks (Abrigo) or nCino preferred.
Experience with commercial real estate underwriting preferred.

Knowledge, Skills & Abilities:

Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
Excellent verbal and written communication skills.
Critical thinking and problem-solving skills.
Attention to detail and high level of accuracy.
Strong organizational and time management skills.

Competencies:

Functional/Technical Skills
Problem Solving
Decision Quality
Intellectual Horsepower
Integrity and Trust

Physical Demands:

Must be able to lift up to 10 pounds.
Requires standing and/or sitting for an extended period of time.

Mental & Emotional Requirements:

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
Must be able to read and carry out various written instructions and follow oral instructions.
Must be capable of dealing calmly and professionally with numerous personalities and diverse perspectives both within and outside of the organization.
Must be able to perform responsibilities with composure under the stress of deadlines and requirements for quality and timeliness.

Must be capable of exercising high levels of discretion on both internal and external confidential matters

Learn more about this Employer on their Career Site

Commercial Credit Analyst