Credit Analyst I

🔥 17 hours ago

🇺🇸 United States – Remote

💵 $31 - $33 / hour

⏰ Full Time

🟢 Junior

🧐 Analyst

👻 Ghost score 0%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Cooperative Business Services (CBS)

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2003

🏗️ Construction

🏥 Healthcare

📦 Logistics

Construction • Healthcare • Logistics

<Cooperative Business Services (CBS)> Cooperative Business Services (CBS) is a provider of end-to-end commercial lending solutions that partners primarily with credit unions and other financial institutions. It offers a mix of professional services — underwriting, loan servicing, portfolio management, participations, loan workout, construction management, and shared business development officers — alongside a loan portfolio management SaaS product (ExRA), vendor due diligence, and secure document exchange. CBS also supports borrowers with commercial real estate, SBA, and construction loans, aiming to help credit unions diversify balance sheets and expand business lending in their communities.

📋 Description

• Review borrower financial statements, repayment capacity, property performance, and collateral information to evaluate commercial real estate loans • Analyze property income, operating expenses, occupancy, and other factors affecting cash flow and debt obligations • Evaluate loan performance and identify potential repayment challenges • Analyze repayment, refinancing, and recovery scenarios as credit conditions change • Develop financial models and evaluate financial and market scenarios • Review financial information for inconsistencies, changing trends, and early warning signs • Document findings and escalate concerns to appropriate credit professionals • Develop financial analyses, credit memoranda, risk-rating recommendations, and supporting documentation • Collaborate with Special Assets, Credit Loss, and Client Reporting colleagues • Support recovery planning, credit loss assessments, and client reporting • Contribute to accurate financial data, consistent analytical practices, and improvements to reporting, monitoring, and financial analysis processes

🎯 Requirements

• Bachelor’s degree in finance, accounting, economics, real estate, business, or a related field, or equivalent relevant experience • One to three years of experience in commercial credit analysis, commercial real estate lending, underwriting, financial analysis, or a related field • Foundational knowledge of financial statements, cash flow analysis, debt obligations, and commercial lending concepts • Proficiency in Microsoft Excel • Ability to organize financial data, perform calculations, and support financial modeling • Strong analytical and critical-thinking skills • Ability to identify inconsistencies, evaluate assumptions, and draw supportable conclusions • Effective written and verbal communication skills • Ability to document findings and explain financial information clearly • Sound judgment and attention to detail • Ability to handle confidential financial information responsibly • Candidates must reside in states where CBS is authorized and equipped to employ team members

🏖️ Benefits

• 13 paid holidays each year • Medical, dental, vision, and supplemental benefit plans • Company-paid Short-Term Disability (STD) • Company-paid Long-Term Disability (LTD) • Company-paid life insurance equivalent to 1 time your salary • 401(k) plan with matching contribution of up to 6% • Tuition assistance • Remote work environment

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