Credit Analyst

Arbor Financial Credit Union; Michigan; Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Hybrid work schedule

Paid vacation, personal, sick, holiday

Volunteer & birthday time off

401(k) with 6% match and 4% profit‑str

Vision, dental, health insurance

HSA, Flexible spending plans, life/ds,

Job summary

Arbor Financial Credit Union in Kalamazoo, MI seeks a Commercial Credit Analyst to evaluate financial data and support loan officers in assessing creditworthiness for business members. You will join a collaborative team focused on portfolio risk management and professional growth.

The role offers a hybrid work schedule, meaningful work, and opportunities for advancement toward Credit Analyst II and beyond within lending teams.

Qualifications

• Bachelor’s Degree in Business (Accounting, Economics, or Finance) or equivalent experience.
• Strong computer operations and Microsoft Office skills.
• Strong written and oral communication abilities.
• Ability to manage multiple tasks and priorities.
• Bondable with professional conduct and appearance.
• Preference for underwriting experience.

Responsibilities

• Analyze financial statements and credit data to assess risk for commercial lending.
• 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, due diligence, 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 to protect the credit union’s interests.

Skills

Credit analysis

Financial statement analysis

Credit risk assessment

Communication

Microsoft Office

Education

Bachelor's Degree in Business (Accounting, Economics, or Finance) or equivalent experience

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.