Commercial Special Assets Credit Analyst

Cooperative Business Services offers a comprehensive, end-to-end commercial lending solution that empowers financial institutions with cutting-edge software, expert services, and strategic business development resources. Additionally, we support borrowers by providing tailored business loans designed to fuel growth and success. With a focus on innovation and collaboration, CBS ensures seamless processes and enhanced opportunities for lenders and borrowers alike.

At CBS, our goal is to set the standard for excellence in business lending. We strive to be the best — in our processes, in our service, and in the results, we help our clients achieve. We’re deeply committed to serving our partner credit unions and borrowers with integrity, precision, and a shared vision for sustainable growth.

Join us on this journey as we continue to transform the future of commercial lending.

• Compensation: Base compensation for this role ranges from $37.50 - $43.27 hourly.
• Remote Work Environment (Preferred Time Zone: We are seeking candidates who are based in the Central Time Zone & Eastern Time Zone) 
• Generous Holidays: Take advantage of 13 paid holidays each year 
• Community Service Time: You will have eight hours of paid time each year for volunteer work. You can use this individually or join group activities.
• Comprehensive Insurance Coverage: Choose from a selection of medical, dental, vision, and supplemental benefit plans to suit your needs. Additionally, the company provides company-paid Short-Term Disability (STD), Long-Term Disability (LTD), and life insurance equivalent to 1 time your salary. 
• 401(k) Plan: The company provides a generous matching contribution of up to 6%.
• Tuition Assistance

The Commercial Special Assets Credit Analyst is a vital partner in maintaining the health and integrity of our lending portfolio. By performing deep financial analysis and proactive credit monitoring, you ensure sustainable growth for our partner credit unions. This role is essential in identifying risk early and crafting strategic workout solutions that protect our organization and our borrowers.

• Strategic Credit Analysis: Master the "narrative" behind the numbers by spreading financial statements and collecting data to support sound, risk-conscious credit decisions.
• Portfolio Intelligence: Identify trends, cash flow variances, and collateral risks to provide Special Assets leadership with the insights needed for effective decision-making.
• Risk Mitigation & Monitoring: Actively track collateral compliance, including real estate tax and insurance, to ensure our portfolio remains secure and audit-ready.
• Impairment Orchestration: Lead the CECL impairment analysis for individually evaluated loans, documenting reserve conclusions with precision and speed.
• Operational Excellence: Maintain a gold standard for documentation and reporting, ensuring all loan files and internal systems are accurate and regulatory-compliant.

• Bachelor’s degree in Finance, Accounting, Business, or a related field.
• 3+ years of experience in commercial credit analysis, loan review, or a similar banking/financial services role.
• Proficiency with credit spreading software (e.g., Abrigo Sageworks) and the Microsoft Office Suite, especially Excel.
• Familiarity with CECL impairment methodology and collateral evaluation processes is preferred.