Credit Analyst II - Hillsdale

County National Bank; Hillsdale (MI); On-site; USD 60,000 - 80,000; Full time

Job summary

County National Bank in Hillsdale, MI is seeking an on-site Credit Analyst II to independently analyze and underwrite commercial credit relationships of moderate complexity. This role partners with commercial lenders to structure credit solutions and support portfolio management, requiring a 4-year degree and 2–5 years of experience.

The position emphasizes risk assessment, financial analysis, and adherence to bank policies, with opportunities for collaboration across lending teams and reporting

Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, Economics or related field.
• 2-5 years of relevant experience in commercial credit analysis or commercial banking

Responsibilities

• Independently analyze commercial client financial statements, tax returns, and related documentation to assess creditworthiness.
• Prepare loan presentations for loan committee, including loan application, financial statements, cash flow analysis, and risk assessments.
• Perform underwriting of commercial credit requests in accordance with bank policy and regulatory requirements.
• Monitor assigned commercial loan portfolios, including financial performance and risk trends.
• Maintain accurate and complete files and documentation and provide updates to business partners.
• Collaborate with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Complete and update various reporting for Loan Committee or Board.
• May provide informal guidance to Credit Analyst I staff.
• May perform various other duties as assigned.

Skills

Financial analysis

Cash flow analysis

Borrower structures

Attention to detail

Communication skills

Multitasking

MS Office

Education

Bachelor's degree in finance / accounting / business administration / economics

Tools

Microsoft Office

Job description

• Location 1 S Howell St,Hillsdale, MI, 49242,United States
• Employee Type Non-Exempt
• Required Degree 4 Year Degree
• Travel 10%
• Manage Others No

Contact information

• Phone [phone]
• Email [e-mail]

Description

County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and provide outstanding client service and solid financial performance."

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as an ON-SITE Credit Analyst II.

JOB SUMMARY

The Credit Analyst II is responsible for independently analyzing and underwriting commercial credit relationships of moderate complexity. This role partners closely with commercial lenders to structure credit solutions, assess risk, and support portfolio management activities. The Analyst II demonstrates a strong understanding of commercial lending, credit policy, and financial analysis.

DUTIES

• Independently analyze commercial client financial statements, tax returns, and related documentation to assess creditworthiness
• Prepare loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments
• Perform underwriting commercial credit requests in accordance with bank policy and regulatory requirements
• Monitor assigned commercial loan portfolios, including financial performance, and risk trends
• Maintain accurate and complete files and documentation and provide updates as needed to business partners
• Collaborate with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers
• Completes and updates various reporting for Loan Committee or Board
• May provide informal guidance to Credit Analyst I staff
• May perform various other duties as assigned

CONTACT WITH OTHERS – INTERNAL

• Communicates on a regular basis with members of management to offer advice and opinions concerning laws, regulations, internal controls, policies, or protocols.

CONTACT WITH OTHERS – EXTERNAL

• Communicates on a regular basis with external auditors, examiners, correspondent banks, and other bank related agencies and vendors.

Requirements

SKILLS

• Strong financial analysis and quantitative skills
• Advanced financial statement and cash flow analysis skills
• Ability to assess complex borrower structures and repayment sources
• Excellent attention to detail and strong organizational skills
• Effective written and verbal communication skills
• Ability to manage multiple priorities and meet deadlines
• Proficient with Microsoft Office programs

QUALIFICATIONS

Required:

• Bachelor’s Degree in Finance, Accounting, Business Administration, Economics or related field
• 2-5 years of relevant experience in commercial credit analysis or commercial banking

Preferred:

• Demonstrated ability to independently underwrite commercial credit requests
• Strong understanding or commercial loan structure, collateral, and credit risk management

WORK ENVIRONMENT

This position is an on-site position with the opportunity for hybrid work and may require occasional travel.