Overview

Commercial Credit Analyst I Commercial Credit Analyst I Hot Job Bedford Annex-HHCU - Bedford, IN 47421 Apply Overview Salary Range $22.58 - $33.78 Hourly Travel Percentage Negligible Apply Commercial Credit Analyst I Join Our Award-Winning Team as a Commercial Credit Analyst I in Bedford, Indiana with Hoosier Hills Credit Union! Forbes has recognized Hoosier Hills Credit Union as one of Indianas Top Three Credit Unions again in 2026 , for the fourth consecutive year ! Are you an analytical and detail-oriented financial professional who enjoys evaluating risk, interpreting financial information, and supporting sound lending decisions? Do you thrive in a collaborative environment where your work directly impacts Members, businesses, and local communities? If so, we'd love to meet you! We're seeking a Commercial Credit Analyst I to join our Commercial Lending team in Bedford, Indiana. In this role, you'll support commercial and agricultural lending by performing credit analysis, assisting with underwriting decisions, monitoring portfolio performance, and helping Members and businesses achieve their financial goals through sound lending practices. What We Offer: Competitive Salary: $22.52 - $33.78 per hour, commensurate with experience. Comprehensive Benefits Package: Health insurance, retirement plans, paid time off, incentive plans, and more. Impactful Work: Empower brighter financial futures and strengthen communities through extraordinary service and genuine connection, one Member at a time. Supportive Environment: Collaborate with a team that values your contributions and supports your professional growth. Career Development: Gain valuable experience in commercial and agricultural lending while building a strong foundation for advancement within the organization. Work Environment: This position is based within Hoosier Hills Credit Union's Commercial Lending operations. Following successful completion of training and demonstrated proficiency, this position may be eligible for 1 to 2 days of a hybrid work arrangement based on business needs and manager approval. Opportunity Overview: As a Commercial Credit Analyst I, you'll support the underwriting and portfolio management functions of the commercial and agricultural lending team. You'll analyze financial statements, tax returns, cash flows, and collateral information while assisting Relationship Managers and senior credit personnel in making sound credit decisions. This role offers an excellent opportunity to develop expertise in commercial credit analysis, risk assessment, and lending policy administration. What You'll Do: Credit Analysis & Underwriting Spread and analyze business and personal financial statements.Perform cash flow analysis, debt service coverage calculations, and financial trend reviews.Review borrower financial performance and identify potential credit risks.Analyze commercial and agricultural loan requests, including:Unsecured business loansCommercial credit card requestsCommercial vehicle loansEquipment financing requestsAgricultural operating, livestock, and farm equipment loansSmall business term loans and lines of creditPrepare credit approval memorandums and underwriting summaries.Assist with risk rating analysis and collateral evaluations.Utilize financial spreading, tax analysis, and loan origination systems to support lending decisions. Portfolio Management Support Complete annual relationship reviews, renewals, and portfolio maintenance activities.Monitor financial reporting requirements and covenant compliance.Identify portfolio trends and potential credit concerns.Assist with documentation collection and financial information updates.Support portfolio quality through timely completion of review responsibilities. Compliance & Risk Management Ensure compliance with HHCU lending policies and regulatory requirements.Complete all required BSA, AML, OFAC, and compliance training.Maintain awareness of commercial lending guidelines and risk management e