Position Title: Commercial Loan Credit Analyst
Reporting Manager Title: Director- Commercial Fulfillment & Operations
FLSA Status: Exempt
Work Arrangement: Hybrid
Date Created: 7/2025
Date Revised: 3/2026
Created By: Anita Kendrick
Position Summary:
The Commercial Loan Credit Analyst will analyze and underwrite commercial loan requests, as well as perform periodic reviews of existing loans. This includes commercial conventional loans, commercial real estate loans, participation loans, and government-guaranteed loans, ensuring compliance with credit union policies, industry standards, and regulations. This role involves analyzing commercial loan applications, preparing credit approval packages, assessing risk, maintaining compliance, and recommending loan approval decisions. This role must communicate recommendations (approval, suspense, denial) to appropriate individuals within the credit union and uphold fair lending practices. With a significant financial impact on the organization, this role evaluates the financial implications of commercial credit decisions and portfolio trends while navigating complex loan structures and collaborating with stakeholders to mitigate associated risks.
Essential Duties and Responsibilities:
Performs thorough underwriting of commercial loan applications by analyzing borrower financial statements, tax returns, rent rolls, operating statements, business plans, guarantor strength, and industry conditions, ensuring the production of high-quality, detailed credit approval documents with identified credit risks.
Exercises independent credit judgment on complex commercial transactions, including structuring terms (amortization, covenants, guarantees, collateral positioning and coverage assessments). Conducts financial spreading, cashflow analysis, probabilityofdefault considerations, using internal credit tools.
Prepares clear, accurate, and wellsupported credit approval memoranda, presenting key risks, mitigants, collateral evaluation, and recommended loan structures.
Performs periodic and annual reviews to assess borrower performance, covenant compliance, collateral sufficiency, and ongoing repayment capacity.
Engages across the full loan lifecycle - origination, underwriting, closing, renewals, modifications, and ongoing monitoring. Collaborates with business development teams, loan officers, and key stakeholders to structure loan solutions that meet member needs while mitigating credit risk.
Streamlines underwriting workflows by identifying opportunities for process improvements, documentation efficiencies, and standardized practices.
Assists in preparing riskrating updates, audit responses, and documentation supporting regulatory exams.
Meets targets for productivity, quality, and borrower satisfaction
Participates in project management efforts for underwriting initiatives, ensuring timelines, deliverables, and cross-functional alignment.
Supports strategic initiatives aimed at improving credit quality, operational efficiency, and organizational growth.
Ensures all credit actions comply with internal policy, NCUA and TCUD regulatory guidance SBA standards, and other relevant regulatory framework.
Minimum Qualifications:
Education:
Bachelor's degree in finance, business, or related field.
Formal credit training is highly preferred
Licensure:
At least three years of proven experience in the commercial lending industry, including hands-on expertise in commercial credit analysis and underwriting.
Knowledge, Skills, and Abilities:
Commercial Lending Expertise: Experience in underwriting commercial loans, including Commercial & Industrial (C&I) and Real Estate loans (to include construction).
Credit Analysis Skills: Proficiency in analyzing financial statements, credit reports, and collateral to assess risk and creditworthiness.
Regulatory Knowledge: Familiarity with credit union policies, regulatory requirements, and compliance standards related to commercial lending.
Portfolio Management: Experience in monitoring and managing commercial loan portfolios, identifying risks, and implementing strategies for improvement.
Communication Skills: Strong ability to collaborate with stakeholders, including loan officers, legal teams, and borrowers, to structure loans and resolve issues.
Process Improvement: Experience in streamlining underwriting processes to enhance efficiency and effectiveness.
Physical Demands and Work Environment:
(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit.
Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
Our company offers a dynamic hybrid work arrangement that requires three days of on-site work in theHouston, TX corporate office.
Disclaimer:
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.
Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.