Commercial Credit Analyst (Credit Analyst II)

Commercial Credit Analyst (Credit Analyst II)Company: Confidential, an independent, locally owned community bank in MichiganLocation: Parma, MI, on-site with hybrid flexibilityExperience: 2-5 yearsCompensation: $70K-$90K base, depending on experienceAbout the OpportunityA successful, growing community bank with local decision-making is adding a Credit Analyst to its commercial credit team. You'll independently underwrite commercial relationships and work hand in hand with lenders to structure credit solutions.What You'll DoAnalyze commercial borrowers' financial statements, tax returns, and supporting documents to assess creditworthinessUnderwrite commercial credit requests in line with bank policy and regulatory requirementsPrepare loan committee presentations, including cash flow analysis and risk assessmentsMonitor an assigned commercial portfolio for financial performance and risk trendsHelp grade commercial and self-employed borrowers alongside the mortgage and consumer lending teamsPrepare reporting for loan committee and the board, and give informal guidance to junior analystsWhat You BringA bachelor's degree in finance, accounting, economics, business, or a related field2-5 years of commercial credit analysis or commercial banking experienceStrong financial statement and cash flow analysis skillsThe ability to underwrite on your own, plus a solid grasp of loan structure, collateral, and credit riskClose attention to detail and clear written and verbal communication