Commercial Credit Analyst

Commercial Credit Analyst

Join our team and begin writing your next success story with us. If you're looking for a place where culture and leadership matter, look no further. Whether you work here, bank here, or are just getting to know us - this is what it feels like to be part of Jovia.

We are Jovia Financial Credit Union . Our name evokes joy, a feeling of optimism, trust, and "banking on the bright side". We are a new kind of credit union, one that combines service and value with the convenience that today's technologies allow. At Jovia, we have provided brighter banking for over 85 years, driven by values like innovation, convenience, and community. As a not-for-profit organization, we focus on what's best for our members, not profits - Come see for yourself!


Awarded as one of the best places to work, Jovia has more than $4 billion in assets, 240,000 members, and 500+ employees, we attract the best and the brightest talent-- who do the right thing and present a can-do spirit in a culture of fun, fulfilment, advancement, and development. Find your joy here, every day.


Our employees are passionate about our mission, growing through professional development and making a real difference through community involvement and service. We offer a diverse, inclusive work environment with flexible opportunities and competitive benefits. Join us in shaping the future of banking by joining our team.


We give you Benefits that Go Beyond Your Paycheck:

• Competitive compensation with paid training
• Engaged Managers who value your input, are transparent, and provide coaching for your success
• Professional Development with growth opportunities and a supportive learning environment
• A friendly, inviting work culture filled with social activities that inspire creativity and collaboration
• Retirement Benefits, featuring a 401(k) with a generous match plus a defined pension plan
• Comprehensive benefits including Medical, Dental, and Vision coverage
• Employee Activity Groups that foster a sense of belonging and teamwork
• Tuition Reimbursement and School Loan Repayment plans for Full-Time employees
• Gym Reimbursement and Employee Wellness time off to support your health and wellness
• Flexible PTO options that include vacation payout and sick time incentive payouts
• Discounts on Employee Loans to help you create financial success
• Supplemental Benefits such as Pet Insurance, Legal plan, and AFLAC plans
• A CEO with brilliant vision and aspiration

Want to know why we're so happy? Click here to learn and meet our CEO!

Find out what life at Jovia is like ...

What you will be doing:

• Review loan packages to ensure all financial information has been obtained with appropriate signatures.
• Gather and review all necessary underwriting information including but not limited to financial statements, tax returns, rent rolls and operating statements, liquidity statements, projections, credit report, legal documents to determine the degree of risk involved and the proper premium for acceptable risks. Accepts risks that meet underwriting standards and declines those which do not, within assigned scope of broad underwriting authority.
• Review real estate purchase contracts, title reports, appraisals, and environmental reports for collateral evaluation.
• Underwrite business credit cards and overdraft lines of credit up to $50,000.00.
• Maintain up to date knowledge of and adhere to relevant NCUA, federal, and state lending regulations, and Jovia loan policies, procedures, and underwriting guidelines.
• Validate all Jovia loan policies and underwriting guidelines were met before submitting to Management and MBL Committee for decisioning.
• Assist with preparing closing loan documents.
• Assist with scanning and filing of loan documentation received in connection with new loan application or existing loans.
• Attend and participate in Member Business Loan Committee meetings and serve as Minute Taker of Loan Committee meetings and distribute the minutes to all relevant people as detailed in the Participants section. Ensure that a copy of the meeting minutes is filed appropriately for future reference.
• When needed, resolves member issues pertaining to business practices, policies and procedures.

What we need from you:

• College degree preferred with concentrations in accounting, finance, taxation, real estate, and/or business administration.
• Knowledge and understanding of fundamentals in commercial credit analysis required.
• Individuals who completed formal credit training highly desirable.
• Minimum of two (2) years of experience in commercial banking, one (1) of which has been in a credit analyst or underwriting support position.
• Individual must function with minimal supervision and have excellent organizational and time management skills.
• Must be able to handle multiple projects and tasks and meet deadlines.
• Proficient in math and calculations related to lending. Well versed in Microsoft Word and Excel.
• Detail oriented, excellent analytical skills, aptitude for figures, and computer/Internet savvy.

Work From Home and Hybrid Requirements: This particular position is Hybrid and requires in-office / plus work from home days to our offices in Westbury, New York:
• Internet speed of 100 mbps or higher required (you can test this by going to
• Able to dedicate a quiet space for daily work that is free of sound interruptions.
• All equipment will be provided by Jovia (Computer, Monitor, Headset)

Be part of a growing not-for-profit organization where People are Everything -You are important to us. Help our members meet their financial goals and achieve their dreams. Let's talk!


At Jovia, we celebrate innovation, diversity, teamwork, excellence, and integrity. We are an equal opportunity employer and offer competitive compensation and benefits packages to recruit, retain, and reward top talent. We would like to be your partner in success and happiness!


We provide a competitive salary that aligns with qualifications and experience. Compensation may differ based on factors including experience, skill set, and current performance (if applicable). While candidates who do not fulfill the minimum requirements may be considered, this may require a position level, salary, or salary grade adjustment to reflect current experience.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities


The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)


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Pay Range: $54,571 - $68,214 per year