JOB DETAILS

Commercial Credit Analyst

CompanyThe Atlantic Federal Credit Union
LocationSpringfield
Work ModeOn Site
PostedFebruary 7, 2026
About The Company
The Atlantic Federal Credit Union was founded in 1935 by a group of AT&T Western Electric employees in Kearny, N.J. They were dedicated to building a not-for-profit financial cooperative to meet their savings and borrowing needs -- an especially formidable task in that depression era. Over the years, we've grown from a one company credit union to one of the larger credit unions in New Jersey. The cooperative spirit among our founders that marked our early beginnings continues today. We take pride in providing outstanding financial services to our members at the lowest possible cost.
About the Role

Description

Works with the Commercial Credit Manager to help assess the credit worthiness of customers and loan risk. Responsible for the loan underwriting and creation of credit approval packages, annual reviews, and making recommendations regarding loan approval.

Duties/Responsibilities:

  • Prepare written credit memorandums to be provided to senior management and loan committee on all new loans, renewals, extensions, and modifications relative to financial strengths and weaknesses of borrowers, risk assessments, strength of guarantors, industry analysis and collateral and loan structures with opinions as to credit worthiness.
  • Review documentation provided by the Commercial Lenders for accuracy and completion.
  • Performing the credit analysis of new and existing loans to evaluating the credit worthiness of individuals and businesses and the short and loan term prospects of loan repayment and the overall credit risk of the loan
  • Works with Lenders to create loan approval packages, renewals, modifications, and extensions.
  • Ordering appropriate reports, providing industry and other research information as necessary, etc.
  • Manages Department workflows when the Commercial Credit Manager is not available.
  • Make joint business calls with Commercial Lenders or Management when necessary.
  • Completes additional Commercial Loan tasks, as necessary.
  • Must maintain a thorough knowledge of the Credit Union’s lending programs, policies, and procedures.
  • Must maintain strict adherence to regulatory requirements, ensure conformity with all federal and state compliance policies.

The Atlantic strives to maintain balance between our employees’ personal and professional responsibilities. All full-time employees receive a highly competitive and comprehensive total compensation package including competitive pay, target incentive, medical / dental / prescription coverage, 401(k) plan (with up to 6% match), and generous paid time off. As an The Atlantic employee you are eligible for discounts on our products and services and earn paid time off for volunteering. In addition to these benefits, The Atlantic provides educational and developmental opportunities as well as access to our formal Tuition Assistance Program.

Requirements

  • Bachelor degree in Accounting, Finance, or related field of study
  • Specialized bank lending education/training
  • Full understanding of regulatory laws, rules, interpretations, and guidance
  • Excellent presentation skills (written & verbal).
  • Ability to interpret policies and procedures, analyze complex problems and adopt an effective course of action.
Key Skills
Credit AnalysisLoan UnderwritingFinancial AnalysisRisk AssessmentDocumentation ReviewIndustry AnalysisRegulatory CompliancePresentation SkillsProblem SolvingCommunication Skills
Categories
Finance & AccountingManagement & Leadership
Benefits
MedicalDentalPrescription Coverage401k PlanPaid Time OffTuition Assistance Program
Job Information
📋Core Responsibilities
The Commercial Credit Analyst works with the Commercial Credit Manager to assess credit worthiness and loan risk, preparing credit approval packages and conducting annual reviews. They are responsible for analyzing financial strengths and weaknesses of borrowers and making recommendations regarding loan approvals.
📋Job Type
full time
📊Experience Level
2-5
💼Company Size
37
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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