Senior Credit Analyst (Credit Analyst III) – Commercial Credit | Richland, MI
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: Richland, 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 Responsibilities
- Independently underwrite and analyze complex commercial credit requests, renewals, and modifications
- Prepare loan committee presentations, including financial statement analysis, cash flow analysis, and risk assessments
- Evaluate borrower financial statements, cash flow, and collateral structures
- Monitor commercial loan portfolios for performance and risk trends, and recommend ways to reduce risk
- Partner with commercial lenders on deal structure, pricing, and exception management
- Maintain complete, accurate credit files and documentation, and keep business partners updated
- Work with mortgage and consumer lending teams to assess and grade commercial and self-employed borrowers
- Prepare and update reporting for the Loan Committee and Board
- Review the work of Credit Analyst I and II team members for accuracy, quality, and compliance, and provide guidance
- Occasional travel may be required
Required Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field
- 5+ years of relevant experience in commercial credit analysis or commercial banking
Preferred Qualifications
- Expertise in complex commercial loan structures and credit risk evaluation
- Strong knowledge of collateral and credit risk management
- Experience mentoring junior analysts
Skills
- Advanced financial analysis, including cash flow analysis and sound credit judgment
- Excellent written credit presentation and documentation skills
- Ability to analyze complex borrower structures and repayment sources
- Strong attention to detail and organization
- Strong written and verbal communication
- Ability to manage multiple priorities and meet deadlines
- Proficiency with Microsoft Office
Why This Opportunity
- A community bank with more than 90 years of history and local decision-making
- A 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
Interested? Send your resume or reach out for a confidential conversation:
Wendy Hicks, GPAC
605-403-5157
wendy.hicks@gogpac.com
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.
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