Credit Analyst I

Isabella Bank; Mount Pleasant (MI); Hybrid; USD 52,000 - 64,000; Full time

Job summary

Isabella Bank in Mount Pleasant, MI is seeking a Credit Analyst I to evaluate loan requests, analyze cash flows, collateral and credit risk for current and prospective customers. The role involves preparing financial spreads, supporting portfolio monitoring, attending loan committee meetings, and maintaining complete credit files while pursuing professional development.

Bachelor’s Degree in Accounting or Finance is preferred; strong communication, detail orientation, and proficiency in MS Office

Qualifications

• Bachelor’s degree in accounting or finance required; May 2025 graduates considered.
• Strong written and verbal communication skills.
• Proficiency in Microsoft Office and PC skills required.

Responsibilities

• Develop loan applications with cash flow and collateral analysis.
• Spread financial information for current and prospective customers.
• Assist with reports to monitor loan portfolio and delinquencies.
• Attend loan committee and take minutes as needed.
• Keep credit files current with financial statements and tax returns.
• Provide credit information from Credit Bureau as requested.

Skills

Written communication

Verbal communication

Attention to detail

Prioritization

Education

Bachelor’s Degree in Accounting or Finance

Tools

Microsoft Office

Job description

Main Office
139 E Broadway St
Mount Pleasant, MI 48858, USA

Description

Position Title: Credit Analyst I

Reports To: Credit Department Manager

Responsibilities:

• Developing loan applications for credit requests of current and prospective customers. Credit applications include a detailed cash flow analysis, collateral analysis and all other analysis pertaining to the strengths and weaknesses of the applicant.
• Spreading of financial information on current and prospective customers.
• Assist Senior Lender, Credit Administrator, and Lending Officers with reports used to monitor the loan portfolio, track loan delinquencies, track concentrations within the loan portfolio, etc.
• Attend loan committee and take minutes as needed.
• Ensure that all credit files are kept current with financial statements, tax returns, current loan applications, proper documentation, etc.
• Providing credit information from Credit Bureau or other agencies as requested.
• Continue to seek improvement of credit skills through seminars, training sessions and/or credit classes.
• Represent the Bank in community development activities.
• Assumes additional responsibilities as required.

Qualifications:

Education/Experience

• Bachelor’s Degree required preferably in Accounting or Finance, will consider students graduating in May 2025

Skills

• Strong written and verbal communication skills
• Computer skills: especially Microsoft Office
• Strong attention to detail – with the ability to adapt to a fast paced work environment
• Ability to prioritize work flow to meet crucial time deadlines

Isabella Bank is an AA/EEO employer.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.