Credit Analyst II

Arbor Financial Credit Union; Kalamazoo, Northern (MI, KY); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Hybrid work schedule

Paid time off: vacation, personal, and

Sick leave

Holiday time off

Volunteer & birthday time off

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

Vision, dental, and health insurance

HSA and Flexible spending plans

Life insurance

Short-term/long-term disability

Job summary

Arbor Financial Credit Union in Kalamazoo, MI is seeking a Commercial Credit Analyst II to lead complex credit analyses, guide SBA loan processes, and mentor junior analysts. This hybrid role strengthens portfolio quality and risk management within our commercial lending team.

You will work closely with SBA partners and auditors, ensuring compliance and accurate documentation while supporting loan committee decisions. This position offers growth opportunities and a collaborative work environment.

Qualifications

• Bachelor's Degree in Business (Accounting, Economics, or Finance preferred) or equivalent experience.
• Successful completion of a formal credit training program.
• SBA knowledge and experience (SBA SOP 50-10, SABA 7a and 504 credit analysis).
• Strong competency in basic computer operations and Microsoft Office.
• Demonstrated analytical skills in cash flow, collateral, and financial analysis.
• 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.

Responsibilities

• Lead complex credit analyses and SBA loan evaluations to support sound lending decisions.
• Manage loan renewals, post-closing reviews, and ensure documentation accuracy.
• Prepare detailed reports on portfolio performance, including risk ratings and collateral concentrations.
• Collaborate with SBA partners, auditors, and regulatory examiners to maintain compliance and streamline processes.
• Participate in loan committee meetings and contribute to decision-making.
• Mentor and support the development of junior credit analysts.
• Maintain up-to-date knowledge of SBA guidelines and loan enhancement programs.

Skills

Credit analysis

SBA knowledge

Portfolio risk

Education

Bachelor's Degree in Business

Job description

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 II, you'll take the lead in evaluating complex credit requests, guiding SBA loan processes, and mentoring junior analysts to strengthen our commercial lending operations. This role is ideal for a detail-oriented professional ready to make a strategic impact on portfolio quality and risk management.

Where You're Headed

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. Whether you want to grow your skills as a Credit Analyst or transition into another lending role, your future is full of possibilities!

What You'll Do

• Lead complex credit analyses and SBA loan evaluations to support sound lending decisions
• Manage loan renewals, post-closing reviews, and ensure documentation accuracy
• Prepare detailed reports on portfolio performance, including risk ratings and collateral concentrations
• Collaborate with SBA partners, auditors, and regulatory examiners to maintain compliance and streamline processes
• Participate in loan committee meetings and contribute to decision-making
• Mentor and support the development of junior credit analysts
• Maintain up-to-date knowledge of SBA guidelines and loan enhancement programs

Is This You?

• Bachelor's Degree in Business (Accounting, Economics, or Finance preferred) or equivalent experience
• Successful completion of a formal credit training program
• SBA knowledge and experience (SBA SOP 50-10, SABA 7a and 504 credit analysis)
• Strong competency in basic computer operations and Microsoft Office
• Demonstrated analytical skills in cash flow, collateral, and financial analysis
• 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

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.