Commercial Credit Analyst

Job Description

Now Hiring: Commercial Credit Analyst II - Southwest Michigan (Hybrid Schedule)


Are you a credit-savvy banking professional looking for your next step? A well-capitalized, community-focused credit union in Southwest Michigan is looking to add a Commercial Credit Analyst II to their growing commercial lending team.


In this role, you'll partner closely with lenders and leadership to assess risk, underwrite new and existing loan requests, and help structure deals that support both the borrower and the institution. If you're looking for a role where your voice matters and your analysis directly impacts lending strategy, this could be your next move.

What You’ll Do:

• Analyze financial statements for new and existing commercial loan relationships using credit analysis software (Sageworks experience is a plus).
  
  
• Prepare thorough write-ups with historical performance comparisons, industry trends, and competitor benchmarks.
  
  
• Assess collateral and structure credit requests to meet policy and regulatory guidelines.
  
  
• Serve as a credit resource to lenders, helping define credit requirements and recommending sound loan structures.
  
  
• Collaborate with commercial lenders and occasionally join them on client visits or business development events.
  
  
• Review and monitor loan policy compliance, approval conditions, and post-close documentation.
  
  
• Mentor and support junior Credit Analysts within the department.
  
  
• Work cross-functionally with other internal teams and support overall credit quality across the portfolio.
  
  

What We’re Looking For:

• 3+ years of experience in commercial credit analysis with a strong understanding of financial statement review, risk assessment, and underwriting.
  
  
• Previous experience in commercial lending or supporting a commercial lending function.
  
  
• Proficiency with credit analysis tools (Sageworks preferred) and working knowledge of SBA lending is a bonus.
  
  
• A solid grasp of GAAP, financial ratios, and how to assess multiple corporate structures and financial data.
  
  
• Strong communication skills-you’ll work closely with internal teams and occasionally external borrowers.
  
  
• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
  
  

What’s In It For You:

• Hybrid work schedule (some flexibility to work remotely)
  
  
• Strong leadership support and mentorship culture
  
  
• Opportunity to grow within a high-performing credit team
  
  
• Competitive salary and benefits package
  
  

Ready to learn more?
If you're looking for a high-impact role within a collaborative and growing credit team, we’d love to connect. Apply now or reach out for a confidential conversation. Send resume to View email address on click.appcast.io

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.