Commercial Credit Analyst II — On-Site

County National Bank; Hillsdale (MI); On-site; USD 60,000 - 80,000; Full time

Job summary

County National Bank in Hillsdale, MI is seeking an on-site Credit Analyst II to independently analyze and underwrite commercial credit relationships of moderate complexity. This role partners with commercial lenders to structure credit solutions and support portfolio management, requiring a 4-year degree and 2–5 years of experience.

The position emphasizes risk assessment, financial analysis, and adherence to bank policies, with opportunities for collaboration across lending teams and reporting

Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, Economics or related field.
• 2-5 years of relevant experience in commercial credit analysis or commercial banking

Responsibilities

• Independently analyze commercial client financial statements, tax returns, and related documentation to assess creditworthiness.
• Prepare loan presentations for loan committee, including loan application, financial statements, cash flow analysis, and risk assessments.
• Perform underwriting of commercial credit requests in accordance with bank policy and regulatory requirements.
• Monitor assigned commercial loan portfolios, including financial performance and risk trends.
• Maintain accurate and complete files and documentation and provide updates to business partners.
• Collaborate with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Complete and update various reporting for Loan Committee or Board.
• May provide informal guidance to Credit Analyst I staff.
• May perform various other duties as assigned.

Skills

Financial analysis

Cash flow analysis

Borrower structures

Attention to detail

Communication skills

Multitasking

MS Office

Education

Bachelor's degree in finance / accounting / business administration / economics

Tools

Microsoft Office

Job description

County National Bank in Hillsdale, MI is seeking an on-site Credit Analyst II to independently analyze and underwrite commercial credit relationships of moderate complexity. This role partners with commercial lenders to structure credit solutions and support portfolio management, requiring a 4-year degree and 2–5 years of experience.

The position emphasizes risk assessment, financial analysis, and adherence to bank policies, with opportunities for collaboration across lending teams and reporting