Credit Analyst

Do you have experience analyzing financial information, assessing credit risk, and making sound lending recommendations? As a Credit Analyst, you will evaluate loan requests and financial information to support informed lending decisions while helping maintain portfolio quality and regulatory compliance. This role is responsible for analyzing creditworthiness, underwriting loan applications, conducting periodic credit reviews, and serving as a resource for lending teams on underwriting and compliance-related matters. Strong financial analysis skills, attention to detail, and prior experience evaluating credit requests and borrower creditworthiness are essential for success in this role. The Opportunity: We are seeking a Credit Analyst to join our team. Must live in either Florida or Michigan.

What You’ll Do:

Conduct thorough analysis of financial statements and credit requests, including new applications, renewals, refinancing, and annual reviews of existing credits. Evaluate risk level associated with lending to potential borrowers by analyzing their financial history, payment habits, and overall creditworthiness. Provide recommendations based on analysis, highlighting the borrower's ability to repay and any potential risks. Prepare detailed credit reports and present findings to management. Maintain knowledge and ensure all credit transactions comply with federal and state regulations, as well as DFCU policies and procedures. Collaborate with lenders, customers, and other departments to gather necessary information, relay findings and answer inquiries. Meet expected service levels related to recommended loan decision and due diligence requirements. Contribute to the achievement of team goals as it relates to revenue growth, portfolio growth, asset quality and compliance. Maintain loan files in OnBase. Provide exceptional customer service.

What You’ll Need:

Bachelor's degree in accounting or finance preferred, or equivalent related experience. Two to five years of credit experience in credit analysis or a related field. SBA underwriting experience is a plus. Proficiency in financial analysis software. Ability to understand financial statements, ratios, and credit risk concepts. Demonstrated financial institution product and service knowledge. Ability to manage multiple and changing deadlines with limited supervision. Proficient in Microsoft 365. Demonstrated analytical and problem-solving skills. Able to initiate and embrace change. Excellent interpersonal skills, including written and verbal communication, and ability to work in a team environment.