Credit Analyst

Socket.dev; Kalamazoo (MI); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Hybrid work schedule

Paid time off

401(k) with match

Health insurance

Vision and Dental

HSA and Flexible spending plans

Life insurance and disability

Job summary

Arbor Financial Credit Union is seeking a Commercial Credit Analyst in Kalamazoo, MI to evaluate financial data and support loan officers in credit decisions. You will help manage credit files and ensure compliance while developing analytical and portfolio risk skills.

The role offers growth within Arbor's credit teams and opportunities for professional advancement in lending. Join a trusted community financial institution with strong benefits.

Qualifications

• Bachelor's degree in Business or related field required or equivalent experience.
• Strong communication and grammar skills, both written and verbal.
• Ability to manage multiple tasks and priorities effectively.
• Bondable and willing to travel locally as needed.

Responsibilities

• Analyze financial statements and credit data to assess risk for commercial lending decisions.
• Partner with loan officers to evaluate borrower creditworthiness and mitigate risks.
• Prepare and maintain credit files and loan documentation through the application process.
• Assist in creating loan presentations and reports for internal committees.
• Support portfolio management through annual reviews and risk rating updates.
• Communicate with borrowers and advisors to gather financial information and clarify credit matters.
• Ensure compliance with lending policies and regulatory requirements.

Skills

Credit analysis

Financial statement analysis

Communication skills

Time management

Attention to detail

Education

Bachelor's Degree in Business

Tools

Microsoft Office

Job description

Credit Analyst Benefit Highlights

• Hybrid work schedule
• Paid vacation, personal, sick, holiday, volunteer & birthday time off
• 401(k) with 6% match and 4% profit-sharing contribution
• Vision, dental, and top-notch health insurance
• HSA, Flexible spending plans, life insurance, short-term/long-term disability coverage

Location: Kalamazoo, MI (Main Office)

About The Role

As a Commercial Credit Analyst, you'll play a key role in evaluating financial data and supporting loan officers in assessing the creditworthiness of business members. You’ll be part of a collaborative team working to positively impact and strengthen member businesses. This position offers the opportunity to develop your analytical skills, contribute to portfolio risk management, and grow professionally.

Where You’re Headed

Start with Arbor as a Commercial Credit Analyst and grow right where you are – Credit Analyst II growth track promotions possible (with pay increase). Credit Analysts gain valuable experience that can open the door to next-level roles, including a Commercial Loan Officer, or positions within Consumer or Mortgage Lending.

What You’ll Do

• Analyze financial statements and credit data to assess risk and support commercial lending decisions
• Partner with loan officers to evaluate borrower creditworthiness and mitigate potential risks
• Prepare and maintain credit files and loan documentation throughout the application process
• Assist in creating loan presentations and reports for internal committees
• Support portfolio management through annual reviews, due diligence, and risk rating updates
• Communicate with borrowers and their advisors to gather financial information and clarify credit matters
• Ensure compliance with lending policies and regulatory requirements to protect the credit union’s interests

Is This You?

• Bachelor’s Degree in Business (Accounting, Economics, or Finance preferred) or equivalent experience
• Strong competency in basic computer operations and Microsoft Office
• Strong communication and grammar skills (written and oral)
• Ability to effectively manage multiple tasks and priorities
• Positivity, team focus, and professionalism in conduct, communication, and appearance
• Ability to be bonded
• Some local travel to business or member sites as needed
• Preferred But Not Required: Underwriting experience

Why Join Arbor?

For over 90 years, Arbor Financial Credit Union has helped members and employees thrive. We’ve built a workplace grounded in our core values: Work Together, Do the Right Thing, Be Creative, and Have Fun. Here, you’ll enjoy meaningful work, growth opportunities, caring teams, and great benefits. Visit our website to discover what makes us exceptional.