Credit Analyst I

Isabella Bank • Mount Pleasant, MI

10d

About The Position

The Credit Analyst I develops loan applications for credit requests from current and prospective customers, including detailed cash flow and collateral analyses and assessments of the applicant’s strengths and weaknesses. The role spreads financial information, supports lending staff with loan-portfolio monitoring reports, maintains current credit files, and provides credit information from bureaus or other agencies as requested. The Credit Analyst I attends loan committee meetings and takes minutes as needed, pursues ongoing development of credit skills, represents the Bank in community development activities, and assumes additional responsibilities as required.

A bachelor’s degree is required, preferably in Accounting or Finance. Students graduating in May 2025 will also be considered. Strong written and verbal communication, Microsoft Office skills, attention to detail, adaptability in a fast-paced environment, and the ability to prioritize work to meet deadlines are required.

Requirements

• Bachelor’s degree required, preferably in Accounting or Finance; students graduating in May 2025 will be considered.
• Strong written and verbal communication skills.
• Computer skills, especially Microsoft Office.
• Strong attention to detail and ability to adapt to a fast-paced work environment.
• Ability to prioritize workflow to meet crucial time deadlines.

Responsibilities

• Develop loan applications for credit requests from current and prospective customers, including cash flow analysis, collateral analysis, and assessment of applicants’ strengths and weaknesses.
• Spread financial information on current and prospective customers.
• Assist the Senior Lender, Credit Administrator, and Lending Officers with reports to monitor the loan portfolio, track delinquencies, and track portfolio concentrations.
• Attend loan committee meetings and take minutes as needed.
• Keep credit files current with financial statements, tax returns, current loan applications, and proper documentation.
• Provide credit information from Credit Bureau or other agencies as requested.
• Continue to improve credit skills through seminars, training sessions, and/or credit classes.
• Represent the Bank in community development activities.
• Assume additional responsibilities as required.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level