Senior Credit Analyst - Tampa, FL

Job Title: Senior Credit Analyst

Primary Location: Westchase - 12471 W. Linebaugh Ave, Tampa FL 33626

Employee Status: full-time salary

In-Office

Estimated Hours/Week: 38

Remote/Hybrid: No

What You’ll Get: (note varied offerings based on role and hours)

Weekly Pay

Comprehensive Health & Wellness package including Medical (with prescription coverage), Dental, and Vision

Matching Health Savings Account Contributions, Dependent Care flexible spending account (FSA)

Retirement options like 401 (k) with company match and pension

Paid time off: Vacation, Personal days, paid holidays, paid volunteer time, sick days, & flex time

Tuition reimbursement

To see a full list of our benefit offerings – check out this helpful guide!

About this position:

The Senior Credit Analyst role is responsible for the underwriting and evaluation of commercial real estate and commercial and industrial loan requests as well as SBA 7a, 504 and USDA B&I requests. This individual will work in conjunction with the loan officer in preparing credit packages for loan presentations. They will also assist and mentor Credit Analysts to complete assignments. Assignments include preparing business, personal and global cash flow analysis, income and expense analysis, balance sheet analysis, collateral analysis, real estate operating analysis, sensitivity analysis and market /industry analysis.

What you’ll do:

Preparing quality, detailed financial analysis including cash flow models, collateral analysis and market analysis to identify potential credit risks and to mitigate to these risks.

Evaluating complex financial statements to spread and analyze for credit review and underwriting.

Making credit recommendations in accordance with credit union lending policies.

Working closely with the commercial lenders and clients in the completion of all loan analysis.

Preparing annual reviews for credits in excess of $500,000. Analysis will include review of the financial statements, tax returns, personal financial statements, credit reports, public record and industry data as well as performing real estate operating analysis, interest rate sensitivity analysis and financial modeling.

Mentoring and assisting in training less experienced commercial credit analysts.

Assisting in maintaining loan files and assisting in monitoring loans to ensure proper maintenance regarding updated client financial information and covenant compliance.

Working on FIMAC analytic or other Stress Testing Software and reports as requested. Facilitating reporting and requests on behalf of the Bank with third parties (such as appraisers).

Assisting management with tasks related to the Credit Department, performing various special projects and providing support to other operational areas within the credit union.

What You’ll Bring:

Five years to eight years of credit underwriting or similar experience is required.

Strong working knowledge of accounting, finance and credit risk concepts.

Strong working knowledge in underwriting commercial business, construction, commercial real estate lending and SBA loans.

Bachelor's Degree in Accounting, Business, Finance or a related field of study

Who We Are:

We’re proud of our past, thrilled with our present, and couldn’t be more excited about our future! Lake Michigan Credit Union has grown to become one of the largest credit unions in the nation with our headquarters in West Michigan.

As a credit union, LMCU is a not-for-profit institution, owned by its members, instead of corporate stockholders. We are accountable directly to our members, and they directly share in our success – benefitting by lower and fewer fees, better savings and checking interest rates, lower cost mortgages and a host of other advantages that simply don’t exist at traditional banks.

It’s about always doing what’s best and right for our members - it guides everything we do.

From friendly, knowledgeable and professional employees who greet you by name, to offering stellar value at every turn, LMCU works for its members.

Working with LMCU you can grow and advance in your career and work with talented teams that help you become better each and every day. As an employee you can have confidence in knowing your work is having an impact by supporting our mission of serving our members’ lifetime financial needs.

You’ll be encouraged to innovate and excel and we're committed to your empowerment as an employee, providing ongoing training, development, support, and opportunities for you to achieve your career goals.

Have additional questions about the role?

You may email us at: .

If you lack access to the internet or internet connectivity, or have a disability that hinders your ability to apply online, please choose one of the following options to obtain assistance:

Call us at:

Mail your resume to: 5664 Prairie Creek Drive, Caledonia, MI 49316

Please Note: These options are reserved for use by individuals requesting an accommodation as a candidate. Information received via these options will be routed to our HR team, who will provide appropriate assistance to facilitate the completion of LMCU’s online application.

LMCU is an Equal Opportunity Employer

REQ-2025-5673