Credit Analyst I - Drive Lending Decisions & Risk Analysis

Bank of Ann Arbor; Ann Arbor (MI); On-site; USD 60,000 - 80,000; Full time

Job summary

Bank of Ann Arbor seeks a Credit Analyst I to support lending decisions across commercial & industrial, CRE, and private banking clients. You will analyze financial statements, assess risk, and prepare written analyses for loan officers and management.

You’ll work with the Lending and Credit teams to monitor compliance, collateral, and covenants, delivering timely insights and exceptional service throughout the loan lifecycle.

Qualifications

• Bachelor’s degree in Accounting, Finance, or other business-related degree.
• 1+ years experience as a Credit Analyst preferred.
• Foundation in accounting principles as they relate to banking.
• Strong analytical and research skills.
• Ability to analyze and interpret financial statements.
• Comfortable navigating multiple computer systems and applications to draw conclusions.

Responsibilities

• Prepare written risk analyses of commercial loan applications.
• Ensure compliance with Bank policies and applicable laws.
• Conduct risk analysis of loan applications including financial spreads and covenants.
• Monitor delinquencies and covenants and perform collateral reviews as requested.
• Assist team with lending and credit functions across various portfolios.

Skills

Analytical skills

Financial statement analysis

Research skills

Communication skills

Education

Bachelor’s degree in Accounting or Finance

Job description

Bank of Ann Arbor seeks a Credit Analyst I to support lending decisions across commercial & industrial, CRE, and private banking clients. You will analyze financial statements, assess risk, and prepare written analyses for loan officers and management.

You’ll work with the Lending and Credit teams to monitor compliance, collateral, and covenants, delivering timely insights and exceptional service throughout the loan lifecycle.