Credit Analyst

Bank of Ann Arbor; Ann Arbor (MI); On-site; USD 65,000 - 90,000; Full time

Job summary

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor, seeks a Credit Analyst to grow with a fast-paced, team-oriented environment in Ann Arbor, MI. The role builds on existing credit underwriting experience and focuses on portfolio quality and sound decision-making.

You will review applications, communicate decisions, ensure regulatory compliance, manage relationships with partners, and monitor risk using tools like PayNet and Dun & Bradstreet.

Qualifications

• 2 years' experience in progressive commercial credit adjudication.
• Working knowledge of commercial lending regulations.
• Knowledge of financial statements and cash flow analysis.
• Knowledge of equipment finance products and documentation.

Responsibilities

• Review, approve or recommend credit of new applications within established policy and authority limits.
• Communicate credit decisions or requests for additional information effectively to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in building and maintain relationships with our partners.
• Help maintain a high-quality credit risk management environment using established credit guidelines.
• Use credit tools like PayNet, Dun & Bradstreet, Consumer Credit Reports, etc., in the credit decision process.
• Identify, analyze, and monitor delinquent or high-risk accounts and prepare regular report updates of findings to management.
• Participate in internal and external training as required.
• Other duties as assigned.

Skills

Commercial credit adjudication

Analytical ability

Communication skills

Problem-solving

Education

Bachelor's degree in finance or economics

Tools

PayNet

Dun & Bradstreet

Consumer Credit Reports

Job description

Description

Make More Than Credit Decisions. Make A Career.

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor and one of The Monitors Top 100 Leasing Companies in 2026, is seeking a credit professional with an eye towards growth. This position offers the opportunity to build on your existing Credit Underwriting experience in a fast-paced, team-oriented environment.

At UniFi, the Credit Analyst is a trusted business partner who helps shape portfolio quality, makes thoughtful credit decisions based on facts and supports the overall growth of the company. If you are ready to take the next step in your credit career and join a highly motivated, team-oriented organization, we’d like to speak with you!

The Ideal Candidate

• Wants a challenging, fast paced, team-centric environment.
• Can make timely decisions and confidently explain credit rationale.
• Builds productive relationships with internal and external stakeholders.
• Has the interest and potential to grow with the company.

Responsibilities

• Review, approve or recommend credit of new applications within established policy and authority limits.
• Communicate credit decisions or requests for additional information effectively to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in building and maintain relationships with our partners.
• Help maintain a high-quality credit risk management environment using established credit guidelines.
• Use credit tools like PayNet, Dun & Bradstreet, Consumer Credit Reports, etc., in the credit decision process.
• Identify, analyze, and monitor delinquent or high-risk accounts and prepare regular report updates of findings to management.
• Participate in internal and external training as required.
• Other duties as assigned.

Requirements

• 2 years' experience of progressive commercial credit adjudication, with excellent analytical ability.
• Working knowledge of commercial lending regulations.
• Knowledge of financial statements, cash flow analysis, industry/market research.
• Knowledge of equipment finance products and documentation.
• Strong communication and interpersonal skills.
• Excellent problem-solving capability.
• Knowledge of Microsoft Office suite of products.

Preferred

• Bachelor's degree in finance or economics.
• Equipment Leasing and Finance experience.
• In or near Ann Arbor, MI

Why Join UniFi?

• Direct Access and Impact: Work in a collaborative environment where your input and opinion matters.
• Fast Paced, Energetic Environment.
• Stability of a very strong bank owned platform (Bank of Ann Arbor).
• Join a Fast Growing, Highly Motivated Team focused on the future!