Senior Credit Analyst III - Commercial Banking Risk Leader

County National Bank; Jackson (MI); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

Hybrid work option

Job summary

County National Bank in Jackson, MI is seeking a Credit Analyst III to underwrite complex commercial relationships and provide expert credit risk guidance.

You will partner with commercial lenders, review financial statements, cash flows, and collateral, and mentor junior analysts while ensuring portfolio quality.

This on-site role offers hybrid options and opportunities to contribute to local community banking excellence.

Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, Economics or related field.
• 5+ years of relevant experience in commercial credit analysis or commercial banking.
• Willing to work on-site with potential hybrid work and occasional travel.

Responsibilities

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, including 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 mitigation strategies.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate and completes files and documentation and provides updates 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.

Skills

Financial analysis

Credit presentation

Credit analysis

Attention to detail

Communication skills

Time management

Microsoft Office

Education

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

Tools

Microsoft Office

Job description

County National Bank in Jackson, MI is seeking a Credit Analyst III to underwrite complex commercial relationships and provide expert credit risk guidance.

You will partner with commercial lenders, review financial statements, cash flows, and collateral, and mentor junior analysts while ensuring portfolio quality.

This on-site role offers hybrid options and opportunities to contribute to local community banking excellence.