Credit Analyst

Arbor Financial Credit Union • Oshtemo Charter Township, MI

1d • Hybrid

About The Position

As a Commercial Credit Analyst, you will evaluate financial data and support loan officers in assessing the creditworthiness of business members. You will collaborate with a team to help strengthen member businesses, develop analytical skills, contribute to portfolio risk management, and grow professionally. The role has a potential growth track to Credit Analyst II, with promotions including a pay increase. Experience may also help lead to roles such as Commercial Loan Officer or positions in Consumer or Mortgage Lending. The position is located at Arbor Financial Credit Union’s main office in Kalamazoo, Michigan, with a hybrid work schedule and some local travel to business or member sites as needed.

Requirements

• Bachelor’s degree in Business, or equivalent experience; Accounting, Economics, or Finance is preferred.
• Strong competency in basic computer operations and Microsoft Office.
• Strong written and oral communication and grammar skills.
• Ability to effectively manage multiple tasks and priorities.
• Positivity, a team focus, and professionalism in conduct, communication, and appearance.
• Ability to be bonded.
• Some local travel to business or member sites as needed.

Nice To Haves

• Underwriting experience.
• A degree focus in Accounting, Economics, or Finance.

Responsibilities

• Analyze financial statements and credit data to assess risk and support commercial lending decisions.
• Partner with loan officers to evaluate borrower creditworthiness and mitigate potential risks.
• Prepare and maintain credit files and loan documentation throughout the application process.
• Assist in creating loan presentations and reports for internal committees.
• Support portfolio management through annual reviews, due diligence, and risk rating updates.
• Communicate with borrowers and their advisors to gather financial information and clarify credit matters.
• Ensure compliance with lending policies and regulatory requirements to protect the credit union’s interests.

Benefits

• Hybrid work schedule.
• Paid vacation, personal, sick, holiday, volunteer, and birthday time off.
• 401(k) with 6% match and 4% profit-sharing contribution.
• Vision, dental, and health insurance.
• HSA and flexible spending plans.
• Life insurance.
• Short-term and long-term disability coverage.

What This Job Offers

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