$120,000 a year 1 day ago Benefits Health savings account Health insurance Dental insurance 401(k) Flexible spending account Paid time off Flextime 401(k) 5% Match Employee assistance program Vision insurance 401(k) matching Life insurance Referral program Qualifications Commercial banking expertise Teamwork Underwriting Spreadsheets Basic math Filing Productivity software Manual handling Negotiation Full Job Description Michigan Business Connection, LC │ 2200 Commonwealth Blvd, Suite 200 │ Ann Arbor, MI 48105 │ (734) 662-0614

Michigan Business Connection, LC Job Description Job Title:

Senior Credit Analyst Department:

Underwriting Reports To:

Senior Vice President•

Credit Administration FLSA Status:

Exempt Grade Level:

1000 Hours 7/8:30 am

4/5:30 pm Monday
Friday
Location Ann Arbor, MI 48105
, day travel and some overnight travel required SUMMARY The Senior Credit Analyst is a seasoned team leader accountable and responsible for completing commercial credit analysis.

ESSENTIAL DUTIES AND RESPONSIBILITIES

include the following. Other duties may be assigned. Demonstrate enthusiasm for MBC core values: Teamwork, Accountability, Integrity, Innovation and Leadership. Support credit function while maintaining, expanding and building internal and external relationships, resulting in a high degree of customer satisfaction.  Analyze credit data and financial statements for complex transactions to determine the degree of risk involved in extending credit or lending money to current and prospective borrowers.  Complete accurate and timely underwriting documents to submit to loan committees and individuals for approval demonstrating independent judgment, appropriate recommendations, and risk ratings.  Independently partner with internal and external Relationship Managers and borrowers in the negotiation of loan structures and risk mitigation requirements.  Evaluate collateral values of properties securing loans, including reviewing for appraisals for accuracy, completing internal valuations when appropriate, and review of environmental reports.  Maintain knowledge and awareness of NCUA regulations directly impacting commercial loan underwriting.  Create and maintain credit files and accordance with format and retention guidelines.  Partner with Documentation and Portfolio Management departments to properly transition loans.  Actively participate with and support credit unions and Relationship Mangers in the negotiation of loan terms and structure requirements.  Demonstrate ability to independently evaluate credit risk and provide recommendations for risk mitigation strategies to lending partners and decision makers.  Perform other credit and risk management duties as required. Engage in visible demonstration of leadership qualities.  Partner with and provide guidance, training, product review and support to Credit Analysts I, Credit Analysts II, Financial Analysts and Interns. Michigan Business Connection, LC │ 2200 Commonwealth Blvd, Suite 200 │ Ann Arbor, MI 48105 │ (734) 662-0614  Proactively contribute within MBC beyond respective line of business responsibility through demonstration of leadership and personal action.  Proactively engage in industry events and maintain awareness of industry news and happenings through monitoring trade publications, regulatory websites and communications.  Engage in business community or social community efforts to reinforce image of MBC or Credit Unions. MBC will support activities with reasonable time and money.

SUCCESS MEASUREMENTS

Success in this position is primarily measured as the quality, accuracy and timeliness of services rendered while maintaining compliance with regulations, as well as the visible demonstration of company values and leadership.

SUPERVISORY RESPONSIBILITIES

None

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or

EXPERIENCE

Bachelor's degree (B.A. or B.S.) from four-year college or university; or equivalent combination of education and experience. Formal credit training program is preferred and seven to ten years of commercial credit analysis experience is required.

LANGUAGE SKILLS

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before members or employees of the organization.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

TECHNOLOGY SKILLS

Strong experience with spreadsheet programs including near expert Excel knowledge and other Microsoft Office solutions.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Michigan Business Connection, LC │ 2200 Commonwealth Blvd, Suite 200 │ Ann Arbor, MI 48105 │ (734) 662-0614 While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is a typical office environment. The noise level in the work environment is usually moderate.

MBC operates within a flex time environment, allowing reasonable employee discretion in start and end times.

Certain functions may be supported from a work at home environment as agreed to by the MBC president.

Job Type:

Full-time Pay:

$84,845.00

$120,000.

00 per year

Benefits:

401(k) 401(k) 5% Match Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Referral program Vision insurance

Experience:

commercial loan underwriting: 7 years (Required)

Work Location:

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Senior Commercial Credit Analyst