Commercial Loan Analyst - 08276

Job Title: Commercial Loan Analyst Position Location: Raleigh, NC. Hybrid, must live locally. Job Summary The Commercial Loan Analyst monitors the credit quality of Coastal's business and commercial loan portfolio. This role evaluates financial performance, covenant compliance, collateral adequacy, and overall creditworthiness of borrowers to support sound risk management and portfolio health in compliance with Coastal policies, regulatory requirements, and participation agreements. The Loan Analyst interacts regularly with members, internal partners, participants, attorneys, and external service providers to provide accurate analysis, clear documentation, and actionable recommendations. As a key contributor to the Coastal team, your responsibilities will be:

• 25%) Financial and Credit Analysis : Review and analyze financial statements, accounting data, legal documents, contracts, proposals, and other records necessary to complete comprehensive credit reviews. Evaluate revenues, expenses, current and future debt obligations, debt service coverage, ratio trends, and financial projections to assess borrower performance and risk.
• 25%) Portfolio Monitoring and Covenant Compliance : Monitor closed business and commercial loan portfolios to ensure ongoing compliance with loan covenants, closing document requirements, DSCR thresholds, loan-to-value parameters, and minimum net worth requirements. Identify emerging risks, recommend appropriate actions when risk levels change and documents findings in clear, well-supported written analyses.
• 15%) Credit Documentation and Reporting : Prepare written credit analyses, monitoring reports and supporting documentation to clearly communicate financial performance, covenant compliance, and risk trends. Assist with internal and external reporting needs, including data requests from management, auditors, and regulators.
• 15%) Stakeholder Support : Advise borrowers on additional information required to complete credit reviews and supporting business lending production efforts, including participation-related analysis and documentation.
• 10%) Participation and Portfolio Support : Monitor loans and portfolio and provide reporting related to portfolio performance and risk management as requested.
• 10%) Compliance and Service Excellence : Prepare loan files and requested documentation for Risk Management, internal and external auditors, and NCUA examinations. Deliver best-in-class customer service through proactive communication, timely responses, and education on additional financial products and services that may benefit members.

Interested? Here are the qualifications we need to see on your resume: Experience: Three years of underwriting experience; business or commercial underwriting preferred Experience in a customer interaction role involving opening accounts, lending, and/or loan servicing Experience with Outlook, Excel, Adobe, loan origination, and core systems Education: Related bachelor's degree or four years of additional experience in lieu of degree; course work in accounting, finance, or economics preferred Essential cognitive/physical/social requirements of position: Must be able to learn and retain information; resolve problems and think sequentially; remain in a stationary position; constantly operate a computer; and converse with others on a continual basis Deadline for Application: All resumes must be received on or before 9/10/2026 Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time. Coastal Federal Credit Union is committed to providing reasonable accommodations to applicants who may have disabilities. If you need special assistance or an accommodation in applying for employment, please contact our HR department at View email address on click.appcast.io. Request for reasonable accommodation will be considered on a case by case basis. "It's our duty to create a workplace and company culture where everyone feels heard and valued, and is appreciated for their unique backgrounds, experiences, and perspectives. At the end of the day, what truly matters is that every person who walks through our doors believes that they are an integral part of our team and can bring their best, true self to work each day. Building a culture of inclusivity means creating an environment where everyone thrives and succeeds together." -Tyler Grodi, CEO VEVRAA Federal Contractor Equal Opportunity/Affirmative Action Employer Minority/Female/Disability/Veterans #J-18808-Ljbffr Coastal Credit Union