Credit Analyst II - Portage

County National Bank; Portage (MI); Sur place; USD 65 000 - 95 000; Plein temps

Résumé du poste

County National Bank is seeking an on-site Credit Analyst II to independently analyze commercial credit relationships of moderate complexity. This role partners with commercial lenders to structure credit solutions, assess risk, and support portfolio management.

The ideal candidate will have a 4-year degree and 2–5 years of relevant experience in commercial credit analysis or banking, with strong financial analysis and communication skills.

Qualifications

• Bachelor’s degree in finance, accounting, business or related field.
• 2–5 years of experience in commercial credit analysis or commercial banking.
• Ability to independently underwrite commercial credit requests.

Responsabilités

• Analyze client financial statements, tax returns, and related docs to assess creditworthiness.
• Prepare loan presentations and risk assessments for loan committee.
• Underwrite commercial credit requests per policy and regulatory requirements.
• Monitor assigned commercial loan portfolios for performance and risk trends.
• Maintain accurate files and provide updates to business partners.
• Collaborate with Mortgage and Consumer lending to assess borrowers.

Connaissances

Financial analysis

Cash flow analysis

Credit risk assessment

Attention to detail

Communication skills

Time management

MS Office

Formation

Bachelor’s Degree in Finance/Accounting

Outils

Microsoft Office

Description du poste

• Location 1300 W Centre,Suite 103,Portage, MI, 49024,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.