Credit Analyst II - Commercial Credit

Credit Analyst II – Commercial Credit | Otsego, MI

A 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: Otsego, 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 Responsibilities
- Analyze commercial client financial statements, tax returns, and related records to evaluate creditworthiness
- Prepare loan committee presentations, including financial analysis, cash flow analysis, and risk assessments
- Underwrite commercial credit requests in line with bank policy and regulatory requirements
- Monitor assigned commercial loan portfolios for financial performance and risk trends
- Maintain complete loan files and keep business partners updated
- Partner with mortgage and consumer lending to assess and grade commercial and self-employed borrowers
- Prepare and update reporting for the Loan Committee or Board
- Provide informal guidance to Credit Analyst I staff
- Communicate with management, external auditors, examiners, correspondent banks, agencies, and vendors on regulations, controls, policies, and procedures
- Occasional travel may be required

Required Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field
- 2–5 years of relevant experience in commercial credit analysis or commercial banking

Preferred Qualifications
- Proven ability to independently underwrite commercial credit requests
- Strong understanding of commercial loan structure, collateral, and credit risk management

Skills
- Strong financial analysis and quantitative skills
- Advanced financial statement and cash flow analysis
- Ability to assess complex borrower structures and repayment sources
- Excellent attention to detail and organization
- Effective written and verbal communication
- Ability to manage multiple priorities and meet deadlines
- Proficiency with Microsoft Office

Why This Opportunity
- An 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

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.