Job Description

Job Title: Commercial Credit Analyst (Credit Analyst II)
Company: Confidential, an independent, locally owned community bank in Michigan
Location: Somerset Center, MI, on-site with hybrid flexibility
Experience: 2-5 years
Compensation: $70K-$90K base, depending on experience

About the Opportunity

A 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 Do

• Analyze commercial borrowers' financial statements, tax returns, and supporting documents to assess creditworthiness
• Underwrite commercial credit requests in line with bank policy and regulatory requirements
• Prepare loan committee presentations, including cash flow analysis and risk assessments
• Monitor an assigned commercial portfolio for financial performance and risk trends
• Help grade commercial and self-employed borrowers alongside the mortgage and consumer lending teams
• Prepare reporting for loan committee and the board, and give informal guidance to junior analysts

What You Bring

• A bachelor's degree in finance, accounting, economics, business, or a related field
• 2-5 years of commercial credit analysis or commercial banking experience
• Strong financial statement and cash flow analysis skills
• The ability to underwrite on your own, plus a solid grasp of loan structure, collateral, and credit risk
• Close attention to detail and clear written and verbal communication

Interested? Reach out confidentially to Brayden Texer at gpac: Brayden.texer@gogpac.com | 616.465.2358.

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.