Frontier Credit Union · 6 days ago
Senior Commercial Credit Analyst
United States
Full-time
Remote
Senior Level
5+ years expFrontier Credit Union is seeking a Senior Commercial Credit Analyst who will be responsible for performing commercial credit analysis and making loan decisions. This role involves monitoring the commercial loan portfolio, supporting credit risk management practices, and collaborating with Commercial Loan Officers to evaluate borrower performance.
Financial ServicesNon ProfitWealth Management
Responsibilities
Analyze borrower and guarantor financial statements, tax returns, cash flow, global debt service, collateral, and industry trends
Prepare objective, well-supported credit memoranda
Make loan decisions up to assigned authority
Make loan decision recommendations to management beyond assigned authority
Recommend and support risk ratings and monitor for changes
Collaborate with Commercial Loan Officers on structure and terms
Participate in presenting credit analysis during internal discussions and committees as requested
Monitor portfolio performance, covenants, ticklers, and exceptions
Collect and review borrower financial reporting
Clear covenants and document compliance
Prepare covenant violation letters
Escalate emerging credit risks
Complete annual credit and relationship reviews
Support monitoring of criticized or higher-risk relationships
Review loan documentation for accuracy and alignment with approvals
Provide backup processing support as needed
Ensure supported activities comply with policy and regulation
Assist with audits, loan reviews, and exams
Prepare portfolio and risk-related reports as required by Management
Serve as a credit partner to Commercial Loan Officers
Maintain effective internal and external relationships
Provide high-quality member service to achieve efficient and accurate transactions
Perform other duties as assigned
Qualification
Required
Bachelor's degree in Accounting, Economics, Finance, Statistics, or related field; or equivalent experience
5+ years of progressive commercial credit experience
Ability to support loan officers and high portfolio complexity
Experience in assisting others with training and coaching
Serve as a subject-matter expert in commercial lending
Excellent verbal and written communication
Has solid understanding of full range of credit union products and services provided
Computer literate with proficiency of MS Office. Excellent knowledge of report software and processes. Experience working with a loan operating system and loan documentation system
Must be highly detail-oriented and organized, with ability to coordinate time and work with others
Perform job functions independently with limited supervision, work effectively on own and as part of team
Ability to read and carry out various written instructions and follow verbal directions
Must remain composed in stressful, high-pressure situations. Calmly and professionally handle different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service
Demonstrates extreme accuracy and quality, effectively handles multiple tasks and changing priorities, and exercises highest level of discretion on both internal and external matters
Reports to work regularly; maintains reliable and timely attendance. Available to work the days and hours as dictated by business needs
Company
Frontier Credit Union
Frontier Credit Union offers wealth management, online banking, and investment management solutions.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Bob Hale
Chief Information Officer
Ethan M.
Chief Lending Officer
Recent News
2025-06-03
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