Credit Analyst

UNIFI EQUIPMENT FINANCE, INC. • Ann Arbor, MI

6d

About The Position

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor, is seeking a credit professional to support the company’s growth. The Credit Analyst works in a fast-paced, team-oriented environment as a trusted business partner, helping shape portfolio quality through fact-based credit decisions and supporting the company’s overall growth.

The role reviews and makes or recommends credit decisions within established policies and authority limits, communicates decisions and information requests, supports partner relationships, and contributes to credit risk management. It also involves monitoring delinquent or high-risk accounts, reporting findings to management, and participating in training as required.

Requirements

• At least 2 years of progressive commercial credit adjudication experience.
• Excellent analytical ability.
• Working knowledge of commercial lending regulations.
• Knowledge of financial statements, cash flow analysis, and industry and market research.
• Knowledge of equipment finance products and documentation.
• Strong communication and interpersonal skills.
• Excellent problem-solving capability.
• Knowledge of Microsoft Office suite of products.

Nice To Haves

• Bachelor’s degree in finance or economics.
• Equipment leasing and finance experience.
• Located in or near Ann Arbor, Michigan.

Responsibilities

• Review, approve, or recommend credit for new applications within established policy and authority limits.
• Communicate credit decisions and requests for additional information effectively to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in building and maintaining relationships with partners.
• Help maintain a high-quality credit risk management environment using established credit guidelines.
• Use credit tools such as PayNet, Dun & Bradstreet, and consumer credit reports in the credit decision process.
• Identify, analyze, and monitor delinquent or high-risk accounts, and prepare regular report updates of findings for management.
• Participate in internal and external training as required.
• Perform other duties as assigned.

Benefits

• Collaborative environment with direct access and opportunity to make an impact.
• Fast-paced, energetic environment.
• Stability of a bank-owned platform through Bank of Ann Arbor.
• Opportunity to join a fast-growing, highly motivated team.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed