Commercial Credit Analyst III

Company Description

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here.

Job Description

This role provides credit analysis and risk management for new and existing business members, including partnership with Commercial Lenders in managing risk of the commercial loan portfolio. Performs credit analysis and assesses risk for borrowing relationships to make loan approval recommendations regardless of size or level of complexity. This role ensures credit analysis compliance with applicable policies, procedures, and regulatory requirements to monitor borrower and portfolio health on an ongoing basis. Additionally, this role provides guidance for Problem Loan Monitoring and analysis of future repayment risk, and mentorship for less experienced analysts.
Essential Functions

• Independently interpret credit and lending policies to prepare written credit presentations and approval recommendations, providing a detailed analysis of borrower's repayment capacity and project risks on loans ranging from $ 1 million to $30 million in size, with an emphasis on more complex loan structures
• Participate in collaboration on structure for proposed loans, and recommend structure improvements
• Independently prepare and analyze financial spreads and relevant financial information to assess borrower's ability to repay existing loans and new loan requests using key financial metrics and documentation
• Analyze and evaluate financial capacity of borrower and loan guarantors, including preparation of global cash flow analysis
• Research & evaluate borrower's background, management capability, industry position and competitor's strength
• Produce written and detailed credit risk analysis recommendations in a clear and concise manner for appropriate audience commensurate with risk and policy/procedure guidelines
• Active participation in industry trade groups relevant to Wings' commercial portfolio
• Participate in organizational initiatives such as M&A due diligence and NCUA examination, as assigned
• As directed, provide subject matter expertise and department representation to organizational projects and initiatives
• In partnership with Manager, provide growth opportunities and task mentorship for Commercial Credit Analysts I and II
• Continuing education and networking throughout the year to gather knowledge of changing industry trends that impact risk to Wings and borrowers. Complete all applicable compliance training and/or sales tutorials within established timelines.
• Attend Business Loan Review Committee meetings to assist commercial lenders with new credit request presentations and annual credit reviews.
• Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

Minimum Formal Qualifications for this Position:

• Bachelor's Degree Finance, Accounting, Economics, or related field preferred. Equivalent combinations of education and progressively responsible commercial credit analysis, underwriting, or lending experience will be considered.
• 5+ years satisfactory work experience with commercial credit analysis, or other relevant experience demonstrating increased levels of accountability and knowledge Required

Technical or Specialized Knowledge/Skills:

• Experienced and proficient in the use of financial spreading and analysis software, with preference for experience using the nCino platform
• Demonstrated knowledge of industry trends and monitoring tools/techniques, with a preference for active participation in market/industry trade groups
• Understanding of problem loan workout and monitoring techniques, with an ability to successfully partner with lenders to guide process and solutions
• Experienced and proficient in Microsoft Office products, including: Excel, Word and PowerPoint
• Ability to independently apply analysis techniques for debt service coverage, guarantor strength, collateral value, sensitivity analysis, and industry/market analysis
• Ability to assess risk accurately and recommend loan structure improvements
• Excellent oral and written communication skills required, particularly in writing for an executive audience; must accurately and thoroughly be able to reflect credit risk analysis recommendations in a clear and concise manner
• Strong problem solving and decision-making skills
• Ability to work with individuals and teams at all levels, inside and outside of the organization
• Member Focused: Proven ability to build strong customer/member relationships and delivering customer/member-centric solutions
• Collaborates: Known for building partnerships and working collaboratively with others to meet shared objectives
• Action Oriented: Proven track record of taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm
• Situational Adaptability: Ability to adapt approach and demeanor in real time to match the shifting demands of different situations

Certifications Required:

• Bondable required

Additional Information

PAY RANGE: $40 - 46/hour + 15% annual target bonus (S16).
Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.
BENEFITS:

• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave
  We anticipate this position to close on 10/14/2026. Please submit your application at your earliest convenience to be considered.
  Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.