Commercial Credit Analyst
Lake Michigan Credit Union • Naples, Florida • Full Time
Posted on Thu, May 28, 2026
Job Title: Commercial Credit Analyst
Primary Location: 2370 Vanderbilt Rd, Naples, FL 34109
Employee Status: full-time, exempt
Estimated Hours/Week: 38
Fully On-site
% of Travel for the Position: 0%
What You’ll Get: (note varied offerings based on role and hours)
Weekly Pay
Comprehensive Health & Wellness package including Medical (with prescription coverage), Dental, and vision
Matching Health Savings Account Contributions, Dependent Care flexible spending account (FSA)
Retirement options like 401 (k) with company match.
Paid time off: Vacation, Personal days, paid holidays, paid volunteer time, sick days, & flex time.
Tuition reimbursement
To see a full list of our benefit offerings – check out this helpful guide!
About this position:
The Commercial Credit Analyst role is responsible for assessing the risk(s) of commercial loan requests, managing the administrative requirements of a commercial loan portfolio, train and mentor junior credit analyst(s), and assisting fellow credit and lending staff with commercial loan requests while adhering to the Credit Union’s Member Business Loan Policy. The Commercial Credit Analyst will also from time-to-time be assigned special credit specific projects to manage and complete.
What you’ll do:
Credit Analysis & Risk Assessment
Gather and analyze financial data such as income growth, budgets, projections, cash flow, quality of management, and industry information to determine extension of credit and associated risks.
Collect and review updated financial information from existing Borrowers to reassess risk grades and identify potential credit deterioration.
Commercial Loan Support & Structuring
Assist commercial loan officers with structuring loans in accordance with established regulations and policies.
Provide commercial loan officers with pertinent questions regarding Borrowers/Proposed Borrowers and related loan request(s).
Assist in maintenance of the commercial lending referral system, including communicating with potential borrowers regarding loan structures, loan types, and required documentation.
Compliance, Policy & Portfolio Administration
Provide feedback regarding MBL policy and procedures, including preparing formal requests for regulatory waivers when required by loan structure.
Maintain administrative tracking reports, including financial statement, covenant, and borrowing base tracking.
What You’ll Bring:
College degree in business, finance, accounting or equivalent work experience.
Prior experience in financial institution or financial operations preferred.
Working knowledge of core systems Jack Henry Symitar and SilverLake.
Analytical, organizational, and problem-solving skills.
Experience with Microsoft Office products and financial analysis software preferred.
Have additional questions about the role? Email the Talent Acquisition Team at: Careers@lmcu.org.
If you lack access to the internet or require an accommodation in the application process, please send your resume via mail to 12471 W. Linebaugh Ave., Tampa, FL 33626.