Senior Commercial Credit Analyst
Georgiasown, Trenton, NJ, United States
Senior Commercial Credit Analyst page is loaded## Senior Commercial Credit Analystlocations:
Remotetime type:
Full timeposted on:
Posted Todaytime left to apply:
End Date: April 20, 2026 (5 days left to apply)job requisition id:
R-101609If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.SUMMARY:
The Senior Commercial Credit Analyst is an integral part of the commercial credit team. It provides underwriting support by completing spreads and financial entries for business loans for small to mid-size businesses in the commercial and industrial segment, investor real estate and owner-occupied real estate primarily located in the state of Georgia by preparing accurate and timely financial information. The role also supports Portfolio Management functions including the completion of Annual Loan Review memos and working with Commercial Relationship Managers to ensure that insurance, property taxes and other pertinent documentation are on file.**ESSENTIAL DUTIES AND RESPONSIBILITIES:*** Complete Annual Loan Reviews for existing borrowers including but not limited to financial analysis using updated financials, collateral analysis, business and personal credit score analysis and updating the risk rating based on the previous factors.* Spread financial statements and tax returns for businesses and individuals with the accurate placement of figures from financial statements and tax returns into spreading software* Prepare cash flow, leverage and debt service charts as needed* Work with the commercial underwriters to measure covenants* Develop, apply, and evaluate regulatory policies and procedures for the department; ensure that staff comply with policies and procedures and understand changes in requirements; maintain a thorough knowledge of policies and procedures and trends in the credit union industry, with particular attention to the Bank Secrecy Act, Patriot Act, and with robbery procedures.* Perform other duties as may be assigned**EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:*** Bachelor’s degree in business, to include two levels of accounting classes or at least 5+ years of experience with accounting, financial statements or tax returns.**PHYSICAL REQUIREMENTS:**To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.[](blob:https://georgiasown.wd1.myworkdayjobs.com/7b0108b8-34bd-486f-b470-4884eff14cdf)0:00 / 0:25# **Georgia’s Own Credit Union named to 2025 Top Workplaces USA list**Georgia’s Own Credit Union is proud to be named to the .Organizations must receive at least a 35% response rate on their employee engagement surveys to be considered for the Top Workplaces award from Energage. Questions range from employees’ experiences with work-life balance and their overall well-being to communication, innovation, and values within the organization.As a full-service, not-for-profit financial institution, serving our members, giving back to our communities, and cultivating our employees is at the heart of what we do. That includes providing a flexible, innovative, engaging, and progressive work environment—just to name a few.We had an impressive participation rate of 75% in the employee engagement survey. Below is what some of our incredible employees have to say about :*“In my work, I can be very flexible with my schedule, and I feel like I can contribute to the overall success of the company.”**“Georgia’s Own is truly a fabulous place to work. I love my job because regardless of what area, everyone is focused on ensuring that our members have what they need to succeed. And that’s a good mission!”**“I can contribute to the greater cause of providing our community with financial assistance to meet the dreams and needs of their families.”**“I love the people that I work with and the vision behind who Georgia’s Own is and continues to be. I love being a part of an organization that cares for the community, starting with their very own employees and members.”*We’re honored to be included among some of the most highly regarded organizations in the nation. This award would not have been possible without our extraordinary employees who work hand-in-hand to ensure our mission of Banking on Purpose remains the foundation of our work. #J-18808-Ljbffr
Remotetime type:
Full timeposted on:
Posted Todaytime left to apply:
End Date: April 20, 2026 (5 days left to apply)job requisition id:
R-101609If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.SUMMARY:
The Senior Commercial Credit Analyst is an integral part of the commercial credit team. It provides underwriting support by completing spreads and financial entries for business loans for small to mid-size businesses in the commercial and industrial segment, investor real estate and owner-occupied real estate primarily located in the state of Georgia by preparing accurate and timely financial information. The role also supports Portfolio Management functions including the completion of Annual Loan Review memos and working with Commercial Relationship Managers to ensure that insurance, property taxes and other pertinent documentation are on file.**ESSENTIAL DUTIES AND RESPONSIBILITIES:*** Complete Annual Loan Reviews for existing borrowers including but not limited to financial analysis using updated financials, collateral analysis, business and personal credit score analysis and updating the risk rating based on the previous factors.* Spread financial statements and tax returns for businesses and individuals with the accurate placement of figures from financial statements and tax returns into spreading software* Prepare cash flow, leverage and debt service charts as needed* Work with the commercial underwriters to measure covenants* Develop, apply, and evaluate regulatory policies and procedures for the department; ensure that staff comply with policies and procedures and understand changes in requirements; maintain a thorough knowledge of policies and procedures and trends in the credit union industry, with particular attention to the Bank Secrecy Act, Patriot Act, and with robbery procedures.* Perform other duties as may be assigned**EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:*** Bachelor’s degree in business, to include two levels of accounting classes or at least 5+ years of experience with accounting, financial statements or tax returns.**PHYSICAL REQUIREMENTS:**To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.[](blob:https://georgiasown.wd1.myworkdayjobs.com/7b0108b8-34bd-486f-b470-4884eff14cdf)0:00 / 0:25# **Georgia’s Own Credit Union named to 2025 Top Workplaces USA list**Georgia’s Own Credit Union is proud to be named to the .Organizations must receive at least a 35% response rate on their employee engagement surveys to be considered for the Top Workplaces award from Energage. Questions range from employees’ experiences with work-life balance and their overall well-being to communication, innovation, and values within the organization.As a full-service, not-for-profit financial institution, serving our members, giving back to our communities, and cultivating our employees is at the heart of what we do. That includes providing a flexible, innovative, engaging, and progressive work environment—just to name a few.We had an impressive participation rate of 75% in the employee engagement survey. Below is what some of our incredible employees have to say about :*“In my work, I can be very flexible with my schedule, and I feel like I can contribute to the overall success of the company.”**“Georgia’s Own is truly a fabulous place to work. I love my job because regardless of what area, everyone is focused on ensuring that our members have what they need to succeed. And that’s a good mission!”**“I can contribute to the greater cause of providing our community with financial assistance to meet the dreams and needs of their families.”**“I love the people that I work with and the vision behind who Georgia’s Own is and continues to be. I love being a part of an organization that cares for the community, starting with their very own employees and members.”*We’re honored to be included among some of the most highly regarded organizations in the nation. This award would not have been possible without our extraordinary employees who work hand-in-hand to ensure our mission of Banking on Purpose remains the foundation of our work. #J-18808-Ljbffr