Credit Analyst - Commercial Lending

MECU Credit Union
Works independently and/or with supervisor to determine the potential risk and profitability of business loans. 

Works independently and/or with supervisor to determine the potential risk and profitability of business loans. Responsible for analyzing and monitoring the credit worthiness of the Credit Union's business clientele. Analyzes financial statements, tax returns, credit bureau reports, cash flow and bank references to evaluate the financial condition of individuals and businesses applying for credit with the Credit Union. Follows the established Credit Union policies, procedures and applicable laws and regulations.

Responsible for financial statement collection of maturing loans and annual reviews. Contacts members regarding past due payments. Responsible for providing support in clearing documentation exceptions and other administrative tasks. Prepares reports in response to new and additional credit proposals for loan officers and committees.

Position Requirements:
BS in Business or Finance preferred. Minimum of Three (3) – Five (5) years banking or credit union experience required.

Skills and Abilities Required:
- A thorough knowledge of commercial lending criteria and the business objectives of the lending department.
-Analysis experience with various industries – CRE, C&I, hotels
- Flexibility to work irregular hours when inspecting and evaluating prospective deals.
- Ability to effectively communicate both orally and in writing with people of diverse backgrounds and cultures.
- Demonstrated planning, judgment and organizational abilities.
- Demonstrated strong analytical skills and attention to detail
- Demonstrated ability to meet established deadlines


MECU of Baltimore, Inc. is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. MECU conducts credit, bond and background checks