Credit Analyst III - Portage

County National Bank; Hillsdale (MI); On-site; USD 70,000 - 120,000; Full time

Benefits offered by this job

Hybrid work option

Occasional travel

Job summary

County National Bank is seeking an ON-SITE Credit Analyst III to independently underwrite and analyze complex commercial credit relationships across new requests, renewals, and modifications. The role focuses on loan presentations, risk assessment, and portfolio monitoring.

You will collaborate with commercial lenders and other teams to structure deals, assess collateral, and maintain portfolio quality. Mentoring junior analysts and ensuring regulatory compliance are part of the responsibilities.

Qualifications

• Advanced financial analytical and quantitative skills for cash flow and risk analysis.
• Ability to analyze complex borrower structures and repayment sources.
• Strong attention to detail and organizational skills.
• Excellent written credit presentation and documentation skills.

Responsibilities

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, including loan applications, financial statements, cash flow analysis, and risk assessments.
• Evaluates client financial statements, cash flow, and collateral structures.
• Monitors assigned commercial loan portfolios, including financial performance and risk trends; identifies portfolio risks and recommends mitigations.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate files and provides updates to business partners.
• Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Completes and updates reporting for Loan Committee or Board.
• Reviews work and guides Credit Analysts I and II for accuracy, quality, and compliance.
• Performs other duties as assigned.

Skills

Financial analysis

Credit risk assessment

Credit presentation

Attention to detail

Written and verbal communication

Multitasking

MS Office

Education

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

Tools

Microsoft Office

Job description

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

Contact information

• Phone [phone]
• Email [e-mail]

Description

Company Overview

County National Bank was founded in 1934 as a community bank and we continue to be committed to serving the communities of southern Michigan. With 13 full-service branches and several other financial services offices, our decisions are made by local associates and board members who have a vested interest in the communities we service. Our mission is to sustain a deep commitment to our community and our tradition of banking excellence.

Our associates are our greatest asset; they are committed to building lasting relationships with clients and coworkers. When you join CNB, you will become a part of a legacy that supports the success of our associates and our communities. If you are looking for a career with purpose and a team that values friendly and knowledgeable service, we encourage you to apply.

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

Key Responsibilities

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments.
• Evaluates client financial statements, cash flow, and collateral structures.
• Monitors assigned commercial loan portfolios, including financial performance, and risk trends to identify portfolio risks and recommends proactive risk mitigations strategies.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate and completes files and documentation and provides updates as needed to business partners.
• Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Completes and updates various reporting for Loan Committee or Board.
• Reviews work and provides guidance to the Credit Analyst I and II for accuracy, quality, and compliance.
• Performs various other duties as assigned.

Qualifications

Required:

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

Preferred:

• Demonstrated expertise in complex commercial loan structures and credit risk evaluation.
• Strong understanding or commercial loan structure, collateral, and credit risk management.
• Prior experience mentoring junior analysts.

Skills

• Advanced financial analytical and quantitative skills, including cash flow and decision-making ability.
• Excellent written credit presentation and documentation skills.
• Ability to analyze complex borrower structures and repayment sources.
• Excellent attention to detail and strong organizational skills.
• Strong written and verbal communication skill.
• Ability to manage multiple priorities and meet deadlines.
• Proficient with Microsoft Office programs.
• This position is an on-site position with the opportunity for hybrid work and may require occasional travel.

Physical Requirements

• Ability to sit and/or stand for long periods of time.
• Comfort with using a phone, fax, or other devices for calls, document sharing, and communication.
• Ability to see difference between colors, shades, and brightness to identify documents.

Summary

Job Summary

The Credit Analyst III is a senior credit professional responsible for underwriting complex commercial credit relationships and providing expertise in credit risk management. This role partners closely with commercial lenders and credit leadership to structure loans, evaluate risk, and maintain portfolio quality. The Analyst III serves as a technical resource for the credit team and plays a key role in mentoring junior analysts and supporting regulatory compliance.