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Credit Jobs in Michigan (NOW HIRING)

ChoiceOne Bank

Full-Time Credit Associate

Fenton, MI · On-site

Credit Associate Non-Exempt - Grade Level 2 Equal Employment Opportunity CORPORATE VALUES & MISSION "Provide superior service, quality advice, and show utmost respect to everyone we meet." GENERAL ...

New

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · Hybrid

$195K - $235K/yr

Chief Credit Officer (CCO) Southwest Michigan | Hybrid | $195,000-$235,000 Base Salary A financially strong and growing community bank in Southwest Michigan is seeking a strategic Chief Credit ...

STURGIS BANK

Chief Credit Officer

Sturgis, MI

The Chief Credit Officer (CCO) is responsible for the overall credit quality, risk management, and loan portfolio performance of the Bank including retail and commercial. This position provides ...

Fifth Third Bank

Commercial Credit Analyst

Detroit, MI · On-site

The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In ...

Chemical Bank

Senior Credit Analyst

Byron Center, MI

As part of the credit write-up process, ask the questions that allow a deep understanding of the company and the associated risks. * Write an objective narrative on the credit worthiness of the loan ...

Fifth Third

Commercial Credit Analyst

Detroit, MI · On-site

The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In ...

Chemical Bank

Senior Credit Analyst

Byron Center, MI · On-site

As part of the credit write-up process, ask the questions that allow a deep understanding of the company and the associated risks. * Write an objective narrative on the credit worthiness of the loan ...

FIRST MERCHANTS

SBL Credit Analyst II

Farmington Hills, MI · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

First Merchants Bank is seeking a SBL Credit Analyst II to join our team! This position will be responsible for financial analysis and review of SBA program eligibility requirements on assigned loan ...

Huntington

Credit Review Team Leader - Consumer

Detroit, MI · On-site

$93K - $189K/yr

Credit Review Team Leader The Credit Review Team Leader will report directly to the Credit Review Group Manager. The ideal candidate is a proven credit risk manager with an exceptional delivery track ...

Rent-A-Center

Assistant Manager - Credit

Benton Harbor, MI · On-site

$17 - $20/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Credit Assistant Manager Ready to do your best work? Interested in a minimum starting hourly rate of $17.00 per hour - $20.00 per hour? Why should I apply in just a few clicks? - Paid Time Off and ...

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All JobsCredit JobsCredit Jobs in Michigan

Credit information

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How much do credit jobs pay per hour?

As of Aug 15, 2026, the average hourly pay for credit in Michigan is $20.21, according to ZipRecruiter salary data. Most workers in this role earn between $16.78 and $22.64 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a credit analyst, and why are they important?

To thrive as a Credit Analyst, you need strong analytical abilities, financial acumen, and typically a degree in finance, accounting, or a related field. Familiarity with credit scoring systems, financial modeling tools like Excel, and possibly certifications such as the Chartered Financial Analyst (CFA) are important. Attention to detail, effective communication, and sound judgment are critical soft skills for assessing risk and presenting findings. These competencies ensure accurate credit evaluations, minimize financial risk, and support informed lending decisions.

What is a job in credit?

A job in credit involves assessing and managing the creditworthiness of individuals or businesses to determine their ability to repay loans or credit lines. Roles often include credit analysts, underwriters, and risk managers who use financial data, credit reports, and industry knowledge to make informed lending decisions. Strong analytical skills and familiarity with financial software are typically required.

What are some common challenges faced by professionals working in credit analysis roles, and how can these be managed effectively?

Professionals in credit analysis often encounter challenges such as assessing the risk of clients with limited financial histories, managing large volumes of data under tight deadlines, and staying up-to-date with changing regulations. To manage these challenges effectively, credit analysts typically rely on robust analytical tools, ongoing training, and close collaboration with risk management and underwriting teams. Building strong communication skills also helps, as analysts often need to explain their assessments to both clients and internal stakeholders.

What are different jobs in the credit industry?

There are many job positions in the credit industry, often available at a credit union, bank, or other lending organization. A credit analyst reviews applications and prior financial statements to approve or deny credit cards or loans. A credit manager oversees the entire process of granting credit. People in card security use their skills to look at fraud reports or review accounts for suspicious activity. While duties and responsibilities vary, most jobs focus on assessing the creditworthiness of potential borrowers.

What is a credit analyst?

Credit analysts are financial professionals who evaluate the creditworthiness of individuals, companies, or organizations. They assess financial data, credit history, and economic conditions to determine the risk of lending money or extending credit. Their analysis helps lenders, such as banks or financial institutions, make informed decisions about approving loans or credit lines. Credit analysts also monitor existing accounts to identify potential risks and recommend actions to minimize losses. Their role is crucial in maintaining the financial health and stability of lending organizations.

What is the difference between Credit vs Loan Officer?

AspectCreditLoan Officer
Required CredentialsHigh school diploma or equivalent; some roles may require a bachelor's degreeHigh school diploma or equivalent; often prefers some college or related experience
Work EnvironmentBanking, financial institutions, credit agenciesBank branches, mortgage companies, lending institutions
Employer & Industry UsageUsed across banking, credit reporting, and financial servicesPrimarily in banking and mortgage lending sectors
Comparison Search IntentUnderstanding credit management, credit analysisLoan application, approval process

While both roles are involved in financial services, a Credit professional typically assesses creditworthiness and manages credit accounts, whereas a Loan Officer focuses on evaluating loan applications and approving loans. The roles often overlap but serve different functions within the lending process.

How do I become a credit clerk?

To become a credit clerk, typically a high school diploma or equivalent is required, and some employers prefer candidates with postsecondary education or relevant experience. Skills in data entry, attention to detail, and familiarity with accounting or credit management software are important. On-the-job training is common, and strong organizational skills help in managing credit records and processing transactions.
More about Credit jobs

What are the most commonly searched types of Credit jobs in Michigan?

The most popular types of Credit jobs in Michigan are:

What are popular job titles related to Credit jobs in Michigan?

For Credit jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Credit jobs in Michigan look for?

The top searched job categories for Credit jobs in Michigan are:

What cities in Michigan are hiring for Credit jobs?

Cities in Michigan with the most Credit job openings:

Credit jobs near you
Infographic showing various Credit job openings in Michigan as of August 2026, with employment types broken down into 1% Internship, 80% Full Time, 16% Part Time, 1% Temporary, and 2% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $42,045 per year, or $20.2 per hour.

Full-Time Credit Associate

ChoiceOne Bank

Fenton, MI • On-site

Full-time, Part-time

Posted yesterday

New

Job description

Description:

Credit Associate

Non-Exempt - Grade Level 2

Equal Employment Opportunity


CORPORATE VALUES & MISSION

“Provide superior service, quality advice, and show utmost respect to everyone we meet.”


GENERAL SUMMARY

Support commercial lending personnel by tracking financial statements of commercial loan customers and reviewing any outstanding items required. This role involves maintaining credit files, maintaining various tracking systems and spreadsheets, and helping ensure credit policies are followed to minimize financial risk while supporting business growth.



REPORTS TO: Credit Team Lead


ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Request and track current financial statements and tax returns from our current customers
  • Prepare agenda and update various reports reviewed at each weekly Officer's Loan Committee. Record, type, and maintain minutes for each meeting
  • Perform Quality Control Checklists
  • Maintain complete and accurate electronic ‘credit files’ in Synergy and Metriciti
  • Maintain monthly borrowing base certificate spreadsheet, including reviewing borrowing base certificates provided by Borrower’s for accuracy
  • Verify covenant compliance and update tracking details
  • Respond to credit inquiries/verifications on commercial customers
  • Adhere to all compliance laws and regulations
  • Other duties as assigned by supervisor
  • Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and report any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
  • Be familiar with and comply with all federal and state banking regulations as applicable


QUALIFICATIONS

  • To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability.


EXPERIENCE and/or EDUCATION

  • High School Diploma AND one (1) year of customer service in banking, financial services or goal driven retail sales
  • Bachelor's Degree in business-related major preferred


CORE COMPETENCIES


Oral Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Safety and Security – Observes safety and security procedures.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

Requirements:

PHYSICAL DEMANDS & WORK ENVIRONMENT

Ability to work in an office environment which may include many hours of computer and telephone u sage. Must be able to lift 25lbs. This position is remote-eligible on a part-time/hybrid basis with supervisor’s approval. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions


This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.