Credit Analyst - Commercial & Mortgage Lending

GreenStone FCS; Grand Rapids (MI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

401(k) plan with employer match

Medical, dental and vision benefits

Paid holidays and vacation

Wellness programs

Bonuses

Job summary

GreenStone Farm Credit Services in Michigan is seeking a detail-oriented Credit Analyst to support sound lending decisions through financial analysis and credit evaluation. You will analyze moderately complex commercial and mortgage loan requests and prepare detailed financial assessments for lending teams.

The role emphasizes thorough review of financial statements, cash flow projections, and loan narratives, with responsibility for monitoring covenants and assisting with annual reviews and

Qualifications

• Bachelor's degree in a business/finance/economics-related field is required.
• 1+ years of credit analysis, underwriting, financial services, or agricultural lending experience preferred.
• Strong analytical, problem-solving, and communication skills.
• Detail-oriented with excellent organizational abilities.

Responsibilities

• Analyze commercial and mortgage loan requests that require in-depth credit review.
• Review financial statements, credit reports, collateral information, and related documentation.
• Prepare cash flow projections, ratio analysis, financial trends, and loan narratives.
• Gather and validate customer financial information to ensure complete and accurate analysis.
• Monitor loan covenants, borrowing base reports, and portfolio exceptions.
• Support loan servicing, annual reviews, and government-guaranteed loan reporting.
• Participate in internal credit reviews and collaborate with credit leadership to identify and document findings.
• Make credit decisions within delegated authority.

Skills

Analytical skills

Problem-solving

Communication skills

Detail-oriented

Financial analysis

Education

Bachelor's degree in relevant field

Job description

GreenStone Farm Credit Services in Michigan is seeking a detail-oriented Credit Analyst to support sound lending decisions through financial analysis and credit evaluation. You will analyze moderately complex commercial and mortgage loan requests and prepare detailed financial assessments for lending teams.

The role emphasizes thorough review of financial statements, cash flow projections, and loan narratives, with responsibility for monitoring covenants and assisting with annual reviews and