Commercial Credit Analyst

Summary: NewtekOne, Your Business Solutions Company, is a financial holding company providing a range of business and financial solutions to the SMB market. They are seeking a Commercial Credit Analyst to support Underwriters in managing credit risk by preparing financial documentation and assisting in the credit evaluation process. Responsibilities: - Assist Underwriters in the analysis and management of credit risk by preparing high-quality financial spreads and credit documentation - Spread borrower tax returns and internal financial statements using designated spreading software and Microsoft Excel - Prepare and complete assigned sections of credit memorandums for Underwriter review, including but not limited to: Business and personal credit reports, Bank and merchant statements and all required financial spreads - Prepare full credit memorandums for SBA microloan requests in accordance with internal policies and SBA guidelines - Review and analyze tax transcripts to validate borrower-reported financial information - Pull and compile due diligence reports, including RMA industry data, NHRA reports, and business and personal credit reports - Ensure accuracy, consistency, and completeness of all financial and credit-related documentation prior to submission - Maintain organized electronic credit files and supporting documentation - Communicate effectively with Underwriters and other internal stakeholders regarding credit file requirements, findings, and follow-up items - Perform other related duties and projects as assigned Required Qualifications: - Bachelor's degree in Finance, Accounting, Mathematics, Economics, or a related field required - Strong proficiency with Microsoft Office products, particularly Excel and Word; ability to work efficiently with financial data and templates - High level of computer literacy and ability to learn and utilize financial spreading and credit analysis software - Strong analytical skills with attention to detail and accuracy - Effective organizational and time-management skills, with the ability to manage multiple priorities and deadlines - Clear verbal and written communication skills, with the ability to present financial information in a concise and logical manner - Sound judgment and decision-making abilities when reviewing financial and credit information - Ability to establish and maintain effective working relationships with internal team members and external partners Required Skills: Microsoft Excel, Microsoft Word, Financial spreading software, Credit analysis software, Financial analysis, Tax return analysis, Credit memorandum preparation, RMA industry data, NHRA reports, Business credit reports, Personal credit reports