Credit Analyst II - Commercial Credit

Credit Analyst II – Commercial CreditA well-established, independent, locally owned community bank serving southern Michigan is growing its credit team and hiring Credit Analyst II professionals, with openings in Portage, Jackson, Lansing, Hillsdale, and Tecumseh. This role is for a commercial credit analyst who can underwrite on their own and wants to work closely with lenders at a bank where decisions are made locally.Location: North Adams, MI. On-site to start, with possible hybrid flexibility later. Compensation: $60,000 – $80,000 base salary per year, depending on experience, plus benefits.About the Role You will independently analyze and underwrite commercial credit relationships of moderate complexity. You will partner closely with commercial lenders to structure credit solutions, assess risk, and support portfolio management, drawing on a strong understanding of commercial lending, credit policy, and financial analysis.Key ResponsibilitiesAnalyze commercial client financial statements, tax returns, and related records to evaluate creditworthinessPrepare loan committee presentations, including financial analysis, cash flow analysis, and risk assessmentsUnderwrite commercial credit requests in line with bank policy and regulatory requirementsMonitor assigned commercial loan portfolios for financial performance and risk trendsMaintain complete loan files and keep business partners updatedPartner with mortgage and consumer lending to assess and grade commercial and self-employed borrowersPrepare and update reporting for the Loan Committee or BoardProvide informal guidance to Credit Analyst I staffCommunicate with management, external auditors, examiners, correspondent banks, agencies, and vendors on regulations, controls, policies, and proceduresOccasional travel may be requiredRequired QualificationsBachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field2–5 years of relevant experience in commercial credit analysis or commercial bankingPreferred QualificationsProven ability to independently underwrite commercial credit requestsStrong understanding of commercial loan structure, collateral, and credit risk managementSkillsStrong financial analysis and quantitative skillsAdvanced financial statement and cash flow analysisAbility to assess complex borrower structures and repayment sourcesExcellent attention to detail and organizationEffective written and verbal communicationAbility to manage multiple priorities and meet deadlinesProficiency with Microsoft OfficeWhy This OpportunityAn independent, locally owned community bank with local decision-making. New positions created to expand the credit team. Close partnership with commercial lenders and exposure to a broad commercial portfolio.