Commercial Loan Analyst - 06256

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. The Loan Analyst partners closely with Business Lending staff, borrowers, participation partners, auditors, and internal stakeholders to provide accurate analysis, clear documentation, and actionable recommendations. Responsibilities

• 25%) Financial and Credit Analysis: Reviewing and analyzing financial statements, accounting data, legal documents, contracts, proposals, and other records necessary to complete comprehensive credit reviews. Evaluating revenues, expenses, current and future debt obligations, debt service coverage, ratio trends, and financial projections to assess borrower performance and risk.
• 20%) Portfolio Monitoring and Covenant Compliance: Monitoring 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. Identifying emerging risks and documenting findings in clear, well‑supported written analyses.
• 15%) Asset Quality and Risk Assessment: Analyzing the financial condition and creditworthiness of businesses and individual guarantors to determine asset quality. Monitoring changing collateral values and loan‑to‑value relationships and recommending appropriate actions when risk levels change.
• 15%) Credit Documentation and Reporting: Preparing written credit analyses, monitoring reports, and supporting documentation to clearly communicate financial performance, covenant compliance, and risk trends. Assisting with internal and external reporting needs, including data requests from management, auditors, and regulators.
• 15%) Stakeholder Support: Advising 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: Monitoring loans and portfolio and providing reporting related to portfolio performance and risk management as requested.

Qualifications Experience Three years' commercial real estate industry experience Accounting experience preferred Education Related bachelor's degree or four years of additional experience in lieu of degree; coursework 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. Equal Opportunity/Affirmative Action Employer Minority/Female/Disability/Veterans VEVRAA Federal Contractor #J-18808-Ljbffr Coastal Credit Union