Description

The Senior Credit Analyst provides support to the commercial loan department by analyzing individual/business financial information and industry data in preparation of loan approval recommendation documents and maintaining the commercial portfolio risks.

Essential Duties:

• Performs preparation of complex loan evaluation

• Oversees loan risk ratings

• Maintains the Commercial Lending Inbox and financial statement tracker

• Performs credit analysis

• Orders business and consumer credit reports, UCC filing reports, and other third party services

• Ensures compliance with applicable federal, state, and local laws and regulations

• Completes special projects according to the needs of the department

Requirements:

• Associate's degree preferred

• Minimum of five years experience of commercial lending credit analysis

• Minimum of five years of banking knowledge including policies, regulations, and transactions

• Ability to effectively lead a team to meet project goals

• Ability to manage time effectively, collaborate with others, and work with minimal supervision

• Experience presenting to large and small groups

• Above average proficiency in MS Office Products

We are looking for someone with Michigan banking/credit regulations experience.

Qualifications

Behaviors

Required

• Functional Expert: Considered a thought leader on a subject

• Team Player: Works well as a member of a group

• Enthusiastic: Shows intense and eager enjoyment and interest

• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

Motivations

Required

• Self-Starter: Inspired to perform without outside help

• Goal Completion: Inspired to perform well by the completion of tasks

• Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization

Experience

Required

• 5 years: Analyzing commercial tax returns, portfolio risk, and industry data

• 5 years: Commercial Credit Analysis