Credit Analyst II

Commercial Credit Analyst II

As a Commercial Credit Analyst II, you'll take the lead in evaluating complex credit requests, guiding SBA loan processes, and mentoring junior analysts to strengthen our commercial lending operations. This role is ideal for a detail-oriented professional ready to make a strategic impact on portfolio quality and risk management.

Credit Analysts gain valuable experience that can open the door to next-level roles, including a Commercial Loan Officer, or positions within Consumer or Mortgage Lending. Whether you want to grow your skills as a Credit Analyst or transition into another lending role, your future is full of possibilities!

Lead complex credit analyses and SBA loan evaluations to support sound lending decisions

Manage loan renewals, post-closing reviews, and ensure documentation accuracy

Prepare detailed reports on portfolio performance, including risk ratings and collateral concentrations

Collaborate with SBA partners, auditors, and regulatory examiners to maintain compliance and streamline processes

Participate in loan committee meetings and contribute to decision-making

Mentor and support the development of junior credit analysts

Maintain up-to-date knowledge of SBA guidelines and loan enhancement programs

Bachelor's Degree in Business (Accounting, Economics, or Finance preferred) or equivalent experience

Successful completion of a formal credit training program

SBA knowledge and experience (SBA SOP 50-10, SABA 7a and 504 credit analysis)

Strong competency in basic computer operations and Microsoft Office

Demonstrated analytical skills in cash flow, collateral, and financial analysis

Strong communication and grammar skills (written and oral)

Ability to effectively manage multiple tasks and priorities

Positivity, team focus, and professionalism in conduct, communication, and appearance

Ability to be bonded

Some local travel to business or member sites as needed

For over 90 years, Arbor Financial Credit Union has helped members and employees thrive. We've built a workplace grounded in our core values: Work Together, Do the Right Thing, Be Creative, and Have Fun. Here, you'll enjoy meaningful work, growth opportunities, caring teams, and great benefits. Visit our website to discover what makes us exceptional and apply in minutes.