Credit Analyst II - Tecumseh

County National Bank; Tecumseh Township (MI); In loco; USD 55.000 - 85.000; Tempo pieno

Descrizione del lavoro

County National Bank (CNB) in Tecumseh, MI is seeking an On-Site Credit Analyst II to independently analyze and underwrite commercial credit relationships of moderate complexity. The role partners with commercial lenders to structure credit solutions and assess risk.

The Analyst II will review financial statements, prepare loan presentations, monitor portfolios, and ensure compliance with bank policy and regulatory requirements.

Competenze

• Bachelor’s degree in finance or related field.
• 2-5 years of relevant experience in commercial credit analysis or banking.

Mansioni

• Analyze commercial client financial statements and tax returns to assess creditworthiness.
• Prepare loan presentations and risk analyses for loan committee.
• Underwrite commercial credit requests per bank policy and regulatory requirements.
• Monitor assigned commercial loan portfolios for performance and risk trends.
• Collaborate with Mortgage and Consumer lending on credit assessments.

Conoscenze

Financial analysis

Cash flow analysis

Credit risk assessment

Attention to detail

Communication skills

Time management

Microsoft Office

Formazione

Bachelor’s Degree in Finance, Accounting, Business Administration, Economics or related field

Strumenti

Microsoft Office

Descrizione del lavoro

• Location 209 E Russell Rd,Tecumseh, MI, 49286,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.