Business Credit Analyst

First Community Credit Union ‚Ä¢ Chesterfield, Missouri ‚Ä¢ Full Time

Posted on Thu, Jun 25, 2026

Business Credit Analyst Under the direction of the Assistant Vice President of Business Lending, this role is responsible for analyzing and underwriting business loan requests within established credit policies and guidelines. Evaluate financial information-including credit reports, financial statements, tax returns, and third-party sources-to assess borrower risk, repayment capacity, and overall creditworthiness. Analyze collateral adequacy and structure loan recommendations accordingly. Prepare clear, well-supported loan presentations for Loan Committee review, ensuring accuracy and alignment with organizational standards. Responsibilities:

Underwrite and evaluate business loan requests in accordance with established policies and risk parameters
Analyze financial statements, tax returns, and cash flow to assess creditworthiness and repayment capacity
Evaluate and document collateral to ensure adequacy and compliance with lending requirements
Prepare concise, defensible credit summaries and recommendations
Communicate effectively with internal stakeholders and business members

Required Knowledge:

Strong financial analysis skills, including interpretation of business financial statements and tax returns
Solid understanding of commercial credit principles and risk assessment
Ability to clearly communicate and support credit recommendations
Working knowledge of credit union business lending products and services
Exposure to SBA 504 and 7(a) loan programs is a plus

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