Credit Analyst: Commercial & Mortgage Lending

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

Benefits offered by this job

Vacation days

401(k) employer contribution

Medical, Dental, Vision, STD, LTD

Life/AD&D benefits

Logo Wear allowance

Wellness subsidy

Student debt repayment or tuition

Yearly bonus/incentive

Job summary

GreenStone Farm Credit Services 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, prepare detailed financial assessments, and collaborate with lending teams to deliver exceptional service to our customers.

You will review financial statements, credit reports, collateral information, and related documentation, and prepare cash flow projections

Qualifications

• Bachelor's degree in a related field is required or preferred.
• 1+ years of experience in credit analysis, underwriting, financial services, or agricultural lending.
• Strong analytical, problem-solving, and communication skills.
• Ability to interpret financial statements and assess credit risk.

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

Financial statement interpretation

Detail-oriented

Education

Bachelor's degree

Job description

GreenStone Farm Credit Services 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, prepare detailed financial assessments, and collaborate with lending teams to deliver exceptional service to our customers.

You will review financial statements, credit reports, collateral information, and related documentation, and prepare cash flow projections