Senior Commercial Credit Analyst (On-Site/Hybrid)

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

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.