Credit Finance - Financial Analyst

Nutmeg State Financial Credit Union (NSFCU) is a values-driven organization committed to intentional actions and investments to “be the change” in our community. We deliver relationship-based, impact-driven, purposeful financial solutions in a cooperative ecosystem. The primary purpose of this position is to analyze commercial lending opportunities by evaluating borrower financial information, assessing credit risk, and preparing comprehensive credit recommendations that support sound lending decisions, portfolio quality, and Nutmeg’s business banking objectives.

Commercial Credit Analysis and Underwriting
Analyze business and personal financial statements
Evaluate cash flow, leverage, liquidity, and repayment capacity
Perform global cash-flow and guarantor analysis
Prepare credit analysis and underwriting recommendations
Credit Structuring and Risk Assessment
Evaluate collateral, LTV, guarantees, and loan structure
Identify key credit risks and mitigating fa
Apply commercial credit policy and underwriting standards
Credit Memorandum and Documentation
Prepare credit presentations and approval packages
Coordinate financial information and due diligence req
Portfolio Monitoring and Annual Reviews
Complete annual and periodic credit reviews
Monitor financial performance and covenant compliance
Identify emerging credit deterioration
Support risk-rating and watch-list processes
Credit Quality and Portfolio Intelligence
Monitor portfolio concentrations and credit trends
Provide portfolio and credit-quality analysis
Support examinations, audits, and credit-quality reviews
A bachelor's degree in accounting, finance, economics or related field is required.

A minimum of three years of prior experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis is required. Experience with commercial real estate underwriting preferred. Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis. Decision Quality
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.

Must be able to perform responsibilities with composure under the stress of deadlines and requirements for quality and timeliness. Must be capable of exercising high levels of discretion on both internal and external confidential matters
We offer a comprehensive benefits package including medical, dental and vision insurance, company-paid life and disability coverage, a competitive 401(k) match, generous paid time off, paid holidays, employee loan discounts, and resources that support your financial and personal well-being.

Actual compensation will be determined based on factors such as skills, experience, qualifications, and internal equity.