Job Title: Commercial Loan Analyst

Position Location: Raleigh, NC. Hybrid, must live locally.

Job Summary:

The Commercial Loan Analyst monitors the credit quality of Coastal's business and commercial loan portfolio. This role evaluates financial performance, covenant compliance, collateral adequacy, and overall creditworthiness of borrowers to support sound risk management and portfolio health. The Loan Analyst partners closely with Business Lending staff, borrowers, participation partners, auditors, and internal stakeholders to provide accurate analysis, clear documentation, and actionable recommendations.

As a key contributor to the Coastal team, your responsibilities will be:

• (25%) Financial and Credit Analysis: Reviewing and analyzing financial statements, accounting data, legal documents, contracts, proposals, and other records necessary to complete comprehensive credit reviews. Evaluating revenues, expenses, current and future debt obligations, debt service coverage, ratio trends, and financial projections to assess borrower performance and risk.

• (20%) Portfolio Monitoring and Covenant Compliance: Monitoring closed business and commercial loan portfolios to ensure ongoing compliance with loan covenants, closing document requirements, DSCR thresholds, loan-to-value parameters, and minimum net worth requirements. Identifying emerging risks and documents findings in clear, well-supported written analyses.

• (15%) Asset Quality and Risk Assessment: Analyzing the financial condition and creditworthiness of businesses and individual guarantors to determine asset quality. Monitoring changing collateral values and loan-to-value relationships and recommends appropriate actions when risk levels change.

• (15%) Credit Documentation and Reporting: Preparing written credit analyses, monitoring reports, and supporting documentation to clearly communicate financial performance, covenant compliance, and risk trends. Assisting with internal and external reporting needs, including data requests from management, auditors, and regulators.

• (15%) Stakeholder Support: Advising borrowers on additional information required to complete credit reviews and supporting business lending production efforts, including participation-related analysis and documentation.

• (10%) Participation and Portfolio Support: Monitoring loans and portfolio and providing reporting related to portfolio performance and risk management as requested.

Interested? Here are the qualifications we need to see on your resume:

Experience:

• Three years' commercial real estate industry experience
• Accounting experience preferred

Education:

• Related bachelor's degree or four years of additional experience in lieu of degree; course work in accounting, finance, or economics preferred

Essential cognitive/physical/social requirements of position:

Must be able to learn and retain information; resolve problems and think sequentially; remain in a stationary position; constantly operate a computer; and converse with others on a continual basis

For consideration visit https://coastal24.applicantpool.com/jobs/ . You can also scroll back up to the top of this page to the "Apply Now" section.

Deadline for Application: All resumes must be received on or before 7/3/2026

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Coastal Federal Credit Union is committed to providing reasonable accommodations to applicants who may have disabilities. If you need special assistance or an accommodation in applying for employment, please contact our HR department at jkedra@coastal24.com. Request for reasonable accommodation will be considered on a case by case basis.

"It's our duty to create a workplace and company culture where everyone feels heard and valued, and is appreciated for their unique backgrounds, experiences, and perspectives. At the end of the day, what truly matters is that every person who walks through our doors believes that they are an integral part of our team and can bring their best, true self to work each day. Building a culture of inclusivity means creating an environment where everyone thrives and succeeds together."

-Tyler Grodi, CEO

VEVRAA Federal Contractor

Equal Opportunity/Affirmative Action Employer

Minority/Female/Disability/Veterans