Senior Credit Analyst

Bank of Ann Arbor • Ann Arbor, MI

5d

About The Position

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor, is seeking an experienced credit professional for its Credit Underwriting team. The Senior Credit Analyst independently underwrites and approves equipment finance transactions within assigned authority and in accordance with credit policy. The role contributes to portfolio quality, credit policy, responsible growth, and process improvement, while offering opportunities to develop judgment, authority, and leadership experience for potential advancement within the Credit organization. The position works with Sales and internal and external stakeholders to structure financing, communicate decisions, and support credit reviews and portfolio management.

Requirements

• Five years of progressive commercial credit adjudication and underwriting experience.
• Familiarity with PayNet, D&B, business credit bureaus, and credit scorecards.
• Experience in equipment finance, commercial banking, asset-based lending, specialty finance, or other relevant commercial credit disciplines.
• Strong financial statement, tax return, cash flow, and global cash flow analysis capability.
• Sound credit judgment and the ability to clearly communicate and defend credit recommendations.
• Strong written and verbal communication skills.
• Excellent problem-solving capability.
• High proficiency in Microsoft Office suite of products.

Nice To Haves

• Bachelor’s degree in finance or economics.
• Equipment leasing and finance experience.
• Experience with lease and loan structures, TRAC leases, residual risk, and supporting documentation.
• Knowledge of UCC filings, liens, titles, collateral perfection, and equipment valuation.
• Certified Lease & Finance Professional (CLFP) certification.
• Located in or near Ann Arbor, Michigan.

Responsibilities

• Independently underwrite and approve equipment finance transactions within assigned authority and in accordance with UniFi credit policy.
• Analyze business and personal financial statements, tax returns, and interim financial information.
• Evaluate cash flow, DSCR, global cash flow, leverage, liquidity, repayment capacity, operating trends, and industry risk.
• Prepare clear, concise, well-supported credit recommendations for deal review, including larger, complex, or elevated-risk opportunities.
• Partner with Sales to structure financing solutions that balance risk, return, and customer needs.
• Apply sound judgment to credit exceptions and clearly document supporting rationale.
• Contribute to portfolio reviews, trend analysis, management reporting, and remediation discussions.
• Participate in audits, examinations, internal reviews, training, and process-improvement initiatives.
• Communicate credit decisions or 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.
• Perform other duties as assigned.

Benefits

• Professional growth.
• Collaborative environment where employee input and opinions matter.
• Stability of a bank-owned platform through Bank of Ann Arbor.

What This Job Offers

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