Senior Credit Analyst (Credit Analyst III)

Senior Credit AnalystCompany: Confidential, a well-established community bank in southern MichiganLocation: Osseo, MI, on-site with hybrid flexibilityExperience: 5+ yearsCompensation: $80K-$120K base, depending on experience.About the OpportunityA respected community bank with deep local roots and local decision-making is adding a Senior Credit Analyst to its commercial credit team. This is a senior role for an analyst who wants real ownership of complex deals and a chance to mentor others.What You'll DoIndependently underwrite and analyze complex commercial credit relationships, including new requests, renewals, and modificationsPrepare loan committee presentations, including financial statement analysis, cash flow analysis, and risk assessmentsEvaluate borrower financials, repayment sources, and collateral structuresMonitor an assigned commercial portfolio and recommend ways to reduce risk earlyPartner with commercial lenders on deal structure, pricing, and exceptionsHelp grade commercial and self-employed borrowers alongside the mortgage and consumer lending teamsReview the work of junior analysts and coach them on accuracy and qualityWhat You BringA bachelor's degree in finance, accounting, economics, business, or a related field5+ years of commercial credit analysis or commercial banking experienceStrong knowledge of commercial loan structures, collateral, and credit riskExcellent written credit presentation skills and close attention to detailExperience mentoring junior analysts is a plus