Commercial Credit Analyst

Note: We are looking to fill one Credit Analyst opening, wherein the selected employee can be headquartered at various Beacon locations in northern Indiana that have available office space, but preferably Auburn or Wabash. We will consider fully remote status for an experienced candidate, with some travel for training required depending on the location of the candidate. Role Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Scrutinizes financial data profitability, income growth, and management quality to decide if loans will be lucrative. Major Duties and Responsibilities Performs the initial and ongoing credit analysis to determine if members' credit requests satisfy policies and procedure guidelines, and prepares and processes all applicable documentation for credit analysis and risk ratings. Images and tracks financial documents, including financial statement, tax return, credit report, risk analysis, annual review report, and loan request presentation report, necessary for annual review and loan approval processes for the borrower. Prepares a detailed narrative based on the financial trends and ratios delivered in the reports presented to loan committees for loan approval and risk rating score assignment purposes. Provides support to Credit Union members and staff in explaining credit policies and procedures. Provides and maintains reporting requirements on Credit Union members' credit obligations, such as watch lists and allowance for loan loss calculations. Assists in special assignments requested by management and members. Provides support for commercial document processing as needed. Performs other related duties as assigned. Position Qualifications One to three years of commercial credit analysis or related experienceFour-year college degree or equivalent combination of education and experienceKnowledge of financial spreads and tax returns a plusExcellent computer skills (Word, Excel)Ability to work independently with little or no supervisionMust be extremely detail orientedExcellent communication skills with both internal and external personnelAbility to foster sound relationships with outside entitiesA significant level of trust and diplomacy, in addition to courtesy and tact Standard position hours are Monday through Friday, 8 a.m. to 5 p.m. Available Benefits Include: - Health, dental and vision insurance- Paid time off- 401(k) match- Incentive/bonus program- Tuition reimbursement- and more! Why Beacon? At Beacon, you're more than just an employee. You're part of a supportive, values-driven community that truly cares. Whether you're drawn by our strong team culture, opportunities for growth in business and finance, or the chance to make a real difference in members' lives, Beacon offers a career with purpose. Our team loves helping people, solving problems, and building meaningful relationships, all while enjoying great benefits, a healthy work-life balance, and a positive, family-oriented environment. Join Beacon where people matter and every day is an opportunity to grow, serve, and thrive. Job Posted by ApplicantPro