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Commercial Portfolio Analyst

Freedom Credit Union

Commercial Portfolio Analyst

Springfield, MA
  • Responsibilities


    Under general supervision of the Commercial Credit Manager, and in accordance with established policies and procedures, performs annual reviews and maintains tracking on all Member Business Loans; assists with credit analysis as needed.


    • Perform annual reviews for existing Member Business Loans which includes a thorough financial, cash flow, ratio and trend analysis based on updated financial information.

    • Affirm collateral adequacy: consideration of asset availability,

    • Validate that loans are in compliance with existing covenants,

    • Make recommendations to the Commercial Credit Manager on viability and risk of the relationship; affirm risk rating.

    • Prepare an objective and comprehensive written presentation which includes an assessment of the strengths and weaknesses of a credit relationship while adhering to Member Business Loan Policy standards.

    • Order Real Estate appraisal reports and Environmental reports for Member Business Loans when necessary.

    • Maintains the tracking of bids and receipt of final reports, familiarity with real estate appraisal and environmental regulations.

    • Spread financial statements.

    • Assist Commercial Credit Manager with the financial analysis of new loan requests as needed.

    • Assist with portfolio tracking systems as needed.


    • BS degree in business or related field preferred,

    • Minimum of 1 year of relevant experience,

    • Understanding of accounting principles,

    • Knowledge of business and personal financial statements,

    • Ability to use Microsoft Word and Excel extensively,

    • Strong written and oral communication skills required,

    • Organizational skills/ability to prioritize and handle a multitude of responsibilities, meet deadlines,

    • Proficiency in financial analysis software.