Senior Credit Analyst (Credit Analyst III) - Commercial Credit

Senior Credit Analyst (Credit Analyst III)A well-established community bank serving southern Michigan is adding a Senior Credit Analyst (Credit Analyst III) to its southwest Michigan team. This is a senior credit role for an experienced commercial credit professional who wants local decision-making, close partnership with lenders, and the chance to mentor others.Location: Centreville, MI. On-site to start, with possible hybrid flexibility later. Compensation: $70,000 – $120,000 base salary per year, depending on experience, plus benefits.About the Role You will underwrite complex commercial credit relationships and serve as a technical resource for the credit team. You will work closely with commercial lenders and credit leadership to structure loans, evaluate risk, and maintain portfolio quality, while mentoring junior analysts and supporting regulatory compliance.Key ResponsibilitiesIndependently underwrite and analyze complex commercial credit requests, renewals, and modificationsPrepare loan committee presentations, including financial statement analysis, cash flow analysis, and risk assessmentsEvaluate borrower financial statements, cash flow, and collateral structuresMonitor commercial loan portfolios for performance and risk trends, and recommend ways to reduce riskPartner with commercial lenders on deal structure, pricing, and exception managementMaintain complete, accurate credit files and documentation, and keep business partners updatedWork with mortgage and consumer lending teams to assess and grade commercial and self-employed borrowersPrepare and update reporting for the Loan Committee and BoardReview the work of Credit Analyst I and II team members for accuracy, quality, and compliance, and provide guidanceOccasional travel may be requiredRequired QualificationsBachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field5+ years of relevant experience in commercial credit analysis or commercial bankingPreferred QualificationsExpertise in complex commercial loan structures and credit risk evaluationStrong knowledge of collateral and credit risk managementExperience mentoring junior analystsSkillsAdvanced financial analysis, including cash flow analysis and sound credit judgmentExcellent written credit presentation and documentation skillsAbility to analyze complex borrower structures and repayment sourcesStrong attention to detail and organizationStrong written and verbal communicationAbility to manage multiple priorities and meet deadlinesProficiency with Microsoft OfficeWhy This OpportunityA community bank with more than 90 years of history and local decision-makingA senior seat on a growing credit team (this is a new position created to expand the team)A clear leadership path through mentoring and reviewing analysts' work