Strategic Commercial Credit Analyst

Embers Credit Union; Marquette (MI); On-site; USD 65,000 - 90,000; Full time

Job summary

Embers Credit Union in Marquette, MI is seeking a Commercial Credit Analyst to deliver thoughtful analysis that supports sound lending decisions for commercial relationships. You’ll review financial statements, assess risk, and present concise credit recommendations to loan officers and credit administration, helping local businesses access financing while protecting the credit union’s portfolio.

Join a team focused on accuracy, collaboration, compliance, and continuous learning in a fast-paced

Qualifications

• Bachelor’s degree or equivalent knowledge and skills gained through experience.
• Experience in commercial credit analysis, lending, or financial services.
• Familiarity with underwriting practices, collateral analysis, and credit risk assessment.

Responsibilities

• Analyze financial strength of borrowers by reviewing statements, tax returns, and credit data.
• Evaluate credit risk by interpreting trends, ratios, and collateral positions.
• Build clear, concise credit presentations and recommendations for decision-makers.
• Partner with Commercial Loan Officers and Credit Administration to keep deals moving.
• Support portfolio health with annual reviews and ongoing monitoring.
• Stay current on industry trends, regulations, and department priorities.

Skills

Curiosity

Analytical thinking

Effective communication

Organization

Independent & collaborative

Continuous learning

Education

Bachelor’s degree in related field

1+ years of commercial credit analysis/related experience

Job description

Embers Credit Union in Marquette, MI is seeking a Commercial Credit Analyst to deliver thoughtful analysis that supports sound lending decisions for commercial relationships. You’ll review financial statements, assess risk, and present concise credit recommendations to loan officers and credit administration, helping local businesses access financing while protecting the credit union’s portfolio.

Join a team focused on accuracy, collaboration, compliance, and continuous learning in a fast-paced