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Senior Commercial Credit Analyst Jobs in Three Rivers, MI

STURGIS BANK

Chief Credit Officer

Sturgis, MI · On-site

Ten to fifteen years of cumulative credit analysis, commercial lending, and management experience required. Experience as a Senior Credit or Chief Credit Officer preferred. Certificates, Licenses ...

STURGIS BANK

Chief Credit Officer

Sturgis, MI

Ten to fifteen years of cumulative credit analysis, commercial lending, and management experience required. Experience as a Senior Credit or Chief Credit Officer preferred. Certificates, Licenses ...

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · Hybrid

$195K - $235K/yr

... both commercial and retail lending. The Bank is committed to responsible growth, strong asset ... Position Overview The Chief Credit Officer serves as the Bank's senior credit executive and is ...

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · On-site

$195K - $235K/yr

... both commercial and retail lending. The Bank is committed to responsible growth, strong asset ... Position Overview The Chief Credit Officer serves as the Bank's senior credit executive and is ...

STURGIS BANK

Commercial Lender

Portage, MI · On-site

Partners with the credit analysts to analyze applicant's financial status, credit, and asset ... Minimum of five (5) years of commercial lending experience with advanced credit analysis ...

Interra Credit Union

Senior Financial Analyst- ALM

Goshen, IN · On-site

$76K - $95K/yr

This position is responsible for ensuring compliance with pertinent Credit Union policies. Direct ... Present and discuss analysis with senior management. Utilize back testing results from ad hoc ...

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All JobsCommercial Credit Analyst JobsSenior Commercial Credit Analyst JobsSenior Commercial Credit Analyst Jobs in Three Rivers, MI

Senior Commercial Credit Analyst information

See Three Rivers, MI salary details

$45.7K

$87K

$160.5K

How much do senior commercial credit analyst jobs pay per year?

As of Aug 10, 2026, the average yearly pay for senior commercial credit analyst in Three Rivers, MI is $86,959.00, according to ZipRecruiter salary data. Most workers in this role earn between $63,600.00 and $92,200.00 per year, depending on experience, location, and employer.

What are common challenges faced by senior commercial credit analysts, and how can they be addressed?

Senior Commercial Credit Analysts often encounter challenges such as evaluating complex financial statements, assessing risk in volatile markets, and balancing thorough analysis with tight deadlines. To address these, it's important to stay updated on industry trends, utilize advanced financial modeling tools, and maintain clear communication with relationship managers and clients. Collaborating closely with credit committees and other analysts can also help ensure well-informed decisions and manage workload efficiently.

What is a senior commercial credit analyst?

Senior Commercial Credit Analysts are finance professionals responsible for evaluating the creditworthiness of businesses seeking loans or credit from financial institutions. They analyze financial statements, assess risks, and make recommendations on whether to approve or decline credit applications. In their senior role, they may also oversee junior analysts, help develop credit policies, and interact directly with clients to gather necessary information. Their expertise ensures that lending decisions minimize risk for the institution while supporting business growth.

What is the difference between Senior Commercial Credit Analyst vs Commercial Credit Analyst?

AspectSenior Commercial Credit AnalystCommercial Credit Analyst
Required CredentialsBachelor's degree, often CFA or credit certificationsBachelor's degree, relevant certifications optional
Work EnvironmentMore complex credit analysis, mentorship rolesAnalyzing credit data, supporting senior staff
Employer & Industry UsageFinancial institutions, banks, large corporationsBanks, lending institutions, credit agencies
Common Search & ComparisonSenior roles, advanced analysis, leadershipEntry to mid-level analysis, support roles

The main difference between a Senior Commercial Credit Analyst and a Commercial Credit Analyst lies in experience, responsibilities, and complexity of analysis. Senior analysts handle more complex cases, often mentor junior staff, and may have additional certifications. Both roles are vital in financial institutions and share similar industry usage, but the senior position involves greater expertise and leadership responsibilities.

What skills and qualifications are needed to be a senior commercial credit analyst?

To thrive as a Senior Commercial Credit Analyst, you need strong analytical skills, financial modeling expertise, and a background in finance or accounting—typically supported by a bachelor’s degree and several years of relevant experience. Familiarity with credit risk assessment platforms, financial statement analysis tools, and industry-standard software like Moody’s Analytics or S&P Global is essential. Exceptional communication, attention to detail, and sound judgment help you effectively evaluate creditworthiness and present findings to stakeholders. These skills ensure accurate risk assessments, informed lending decisions, and contribute to the financial health of the institution.
What job categories do people searching Senior Commercial Credit Analyst jobs in Three Rivers, MI look for? The top searched job categories for Senior Commercial Credit Analyst jobs in Three Rivers, MI are:
What cities near Three Rivers, MI are hiring for Senior Commercial Credit Analyst jobs? Cities near Three Rivers, MI with the most Senior Commercial Credit Analyst job openings:
Senior Commercial Credit Analyst jobs near you

Commercial Credit Analyst

Notre Dame Federal Credit Union

Mishawaka, IN • On-site

Full-time

Posted 12 days ago

Job description

PRIMARY FUNCTION:

Responsible for providing competent credit analysis for lending activities, assistance in the administration of borrowing accounts, conduct appraisal reviews, and assistance in completion of special projects and assignments. Processed credit applications; verifies credit references and information; and determines credit limits. Prepares reports on the status of credit and collections, and other operating systems.

ESSENTIAL DUTIES & RESPONSIBILITIES:

This position must effectively carry-out the essential duties in a manner that consistently demonstrates the core values of Notre Dame Federal Credit Union in a positive manner.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The duties identified below are the essential functions of the position and other duties may be assigned.

  • Completes a thorough, in-depth analysis of new commercial credit requests, credit change requests, renewals and annual relationship reviews. Recommend risk rating changes when analysis merits.
  • Prepare spreadsheets, reports, summaries and opinions for lenders on new, renewal and existing loans. Reports finds to Director of Commercial Credit that may have an adverse effect on the loan collateral or the borrows ability to repay the loan.
  • Completing loan application forms and submitting to loan committees for approval with notes and opinions. Ensures company credit exposures on assigned loans are within set risk bearing limits.
  • Completes loan work-ups and proper execution to ensure adequate enforceability of company's position for new and existing loans reviewed. This includes loan details, document review, financial copies, approvals, etc.
  • Determines that loan file documentation is complete and properly executed to ensure adequate enforceability of the company's position for all new loan reviewed.
  • Lead or assist with projects that will consist primarily of credit administration issues and may relate to possible changes in policies and procedure, possible changes as a result of examiner or auditor recommendations, peer group analysis, market studies, changes in compliance and regulations, software upgrades, monitoring or industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as out-sourcing, in-sourcing, centralization of duties/staff, etc.
  • Prepares various reports for the Board. Provides regulators and auditors with information needed to assess company's compliance with loan review policies and procedures and reserve adequacy methods.
  • Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

SUPERVISORY RESPONSIBILITIES:

No responsibility.

PERFORMANCE STANDARDS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. This position will require the knowledge to effectively process Commercial loan applications, establishes and maintains internal controls, maintains security controls, controls loan quality, and analyzes loan products to attain the lending goals and objectives of the Credit Union. A professional appearance and attitude as well as the ability to communicate, coach, counsel, and motivate the staff to accomplish goals is necessary.

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