Credit analyst jobs in Michigan - 80 jobs

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities We are currently seeking a Senior Credit Officer that will be responsible for the daily activities of the Commercial Underwriters, maintaining an efficient workflow while promoting a collaborative experience between their direct reports, Relationship Managers, segment leadership, and other internal support areas. Within the Business Banking Credit Center (BBCC), the Senior Credit Officer oversees the underwriting of loan requests with aggregate exposures below $1 million. This individual will manage all activities of the BBCC UWs, which will include oversight of all analyst tasks and functions necessary to analyze, decision, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties, orderly flow of credit approvals through the analysis process and productivity for all direct reports. Responsible to maintain loss ratios, accurately assess risk and assign the appropriate risk rating in an efficient manner following established underwriting guidelines and procedures. This position requires strong communication, leadership and critical thinking skills, thorough knowledge of industry and bank underwriting standards, and the confidence to make and support loan decisions We are an in-office working environment. This position can be located in one of the offices within our footprint. Salary Range The annual salary range for this position is $106,100 - $214,600. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location. Key Accountabilities Ensure credit quality targets for the loan portfolio are met Ensure analyses of underwriters are appropriate and asset quality ratings are accurate Engage with Credit Strategy to leverage portfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio Ensure compliance with established corporate standards for Commercial portfolio Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities Coach, develop and maintain a competent team of credit professionals Develop Underwriters through appropriate training to ensure analysis on credit approval memorandums is accurate, factually correct and meets bank requirements to make fully informed credit decisions Assist with evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner Lead and coach a team of credit professionals and successfully motivate direct reports to perform at a high level and achieve their own performance and career objectives Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities Maintain an environment that is collaborative, controlled, monitored, and efficient Collaborate with staff and production peers while executing the Bank's Commercial Strategy Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes and deploy problem solving and critical thinking skills as needed. Complete special projects at the direction of the Bank's credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports. Key Competencies for Position Develops Talent - Optimizes talent within business area to achieve goals Actively supports people development through formal programs as well as targeted stretch assignments Continuously evaluates talent within business area and is quick to take action to remove barriers and close talent gaps through effective feedback and coaching Cultivates an environment of trust and optimizes talents and capabilities within business area through a culture of continuous feedback and coaching Actively seeks to attract and retain best-in-class, diverse talent Makes Decisions & Solves Problems - Proactively sources and analyzes comprehensive data to define and solve complex business problems that leads to sound decisions Proactively analyzes and owns qualitative and quantitative data to define business areas problems and opportunities through effective collaboration Collaborates to compile information needed to create a sound approach by leveraging internal and external resources Considers business area, organizational, and individual realities along with impact on the business before developing solutions and makes sound business decisions based on a blend of analysis, wisdom, experience and judgment Creates plan to meet goals and objectives within business areas diminishing gaps and evaluating progress along the way allowing for adjustments Delights Clients - Builds a best-in-class client experience across the business area Fosters an environment where team members passionately serve internal/external clients with excellence Fosters a growth mindset by keeping current with development and trends in business area and sharing information to build knowledge base of business area and enhance client experience Understands data, metrics and/or financial information and how they tie to business outcomes related to client, business area and organization Fosters a culture of accountability within business areas where business area nurtures client relationships by listening, prioritizing and acting responsibly to meet client needs, mitigate risk and add shareholder value Qualifications and Education Requirements Bachelor's degree in Finance, Accounting, or related area or equivalent experience 10 or more years of experience as a Commercial Underwriter/Analyst or related positions Previous management or leadership experience preferred Ability to analyze and interpret financial statements and understand complex accounting principles Thorough knowledge of risks associated with all types of industries Thorough knowledge of loan structuring, borrowing causes and lending standards to ensure loan applications are evaluated efficiently, effectively, and in accordance with regulations Must possess (or willing to possess in short order) a deep understanding of ONB's Credit culture, loan policies, and loan guidelines and procedures with ability to property mitigate exceptions when granted. Demonstrated proficiency and attention to analysis utilizing qualitative and quantitative detail Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team! We can recommend jobs specifically for you! Click here to get started. If you're qualified for a position but need additional help with the application because of a disability, please email ************************** (This email will respond to accommodation requests only.)

Job Description The POWER of a CAREER! At Northpointe Bank, we believe your career should empower you - to grow, contribute, and find purpose. We're hiring a Chief Credit Officer (CCO) to lead the Bank's credit risk portfolio and serve as a strategic partner in driving growth, compliance, and operational excellence. This role is ideal for a seasoned financial leader with deep credit expertise, warehouse lending knowledge, and the ability to integrate credit, operations, servicing, and capital markets into a cohesive growth strategy. What You'll Do: Develop and oversee the Bank's credit policies, risk management frameworks, and governance processes. Play a key role in product approval, ensuring credit standards align with growth and risk objectives. Monitor loan performance, delinquencies, and risk trends, while driving CECL modeling and analytics. Oversee warehouse lending approval, monitoring, and compliance, ensuring optimal facility utilization. Lead portfolio lending oversight, including policy exceptions, loan structures, and retained asset performance. Enhance default servicing and compliance, while supporting capital markets agreements and investor relationships. Advise the Executive Team and Board on credit risk, governance, and long-term growth strategies. Mentor and develop senior leaders across Credit, Servicing, Operations, and Capital Markets. What You Bring: Bachelor's degree in Finance, Economics, or related field (MBA preferred). 10+ years of progressive leadership experience in commercial banking, credit unions, or specialty finance. Expertise in credit policy, warehouse lending, CECL modeling, and regulatory exams. Proven ability to lead cross-functional teams across credit, operations, servicing, and finance. Strong knowledge of warehouse lending structures, portfolio credit management, and capital markets. Public company or governance experience strongly preferred. Exceptional leadership, communication, and strategic decision-making skills. High integrity, strong judgment, and a solutions-oriented mindset. Why Join Northpointe? We offer a collaborative environment where your leadership directly shapes the Bank's credit and operational strategy. Enjoy competitive benefits, career development, and the opportunity to make an executive-level impact on a high-performing financial institution. Our Hiring Philosophy Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy. It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis. Benefit Information: Medical Dental Vision Life, LTD, & AD&D Dependent Care Spending Plan (DCSA) Employer Stock Ownership Plan with 401(k) feature and company match Complimentary Banking Services Tuition Assistance Ready to Apply? If you're ready to lead, grow, and make an impact at the executive level, we want to hear from you. At Northpointe Bank, this is more than a job - it's the POWER of a CAREER. AA - EOE Powered by ExactHire:183996

Job Description Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep , Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. Position Summary: The Lease Credit Analyst II is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. Essential Duties and Responsibilities: Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M). Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met. Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations. Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed. Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives. Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth. Perform other ad hoc duties as assigned. Qualifications and Competencies Required To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Required Experience: Minimum 2 years' auto finance or similar experience. Minimum 1 year of auto underwriting experience. Education: High school diploma and/or GED Skills Required: Strong analytical and organizational skills with close attention to detail. Basic windows computer skills. Mathematics (percentages), reasoning ability, judgement, and customer-facing skills. Intermediate MS Office skill in Excel, Access, Word, and PowerPoint. Excellent oral and written communication skills. Ability to interface work autonomously and handle multiple projects simultaneously. Qualifications Preferred: Experience - Captive, retail automotive franchise dealership, and/or lease auto underwriting experience. Overtime required - required on an as needed basis. Travel 0-10% - as required on an as needed basis. Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX; Detroit, MI; Phoenix, AZ. 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. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. Required to use a headset and or telephone for calls. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. 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 noise level in the work environment is usually moderate. Work Schedule This position requires the ability to work various shifts to accommodate business needs, which may include evening hours, holidays, and weekends. Travel is required 10% of the time. Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

Status: Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show our utmost respect to everyone we meet.” Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function. Reports To: Credit Analyst Team Lead Essential Duties and Responsibilities Use critical thinking to conduct thorough risk analysis of applications for commercial credit. Construct financial statement spreads and understand and interpret key ratios. Complete thorough real estate evaluations on various property types. Responsible for calculating risk scorecard and recommending risk ratings. Collect credit information for preparation of commercial loan package. Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate. Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers. Maintain various loan/departmental reports. Contact clients as necessary. Assist loan officers as requested. Working knowledge of and compliance with policies and procedures of the Bank. Additional responsibilities as assigned. 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 reports 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. Requirements 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 required. Experience and/or Education Bachelor's degree in finance, accounting or other related field preferred. Minimum of one (1) year Credit experience required Minimum of one (1) year commercial loan experience preferred (SBA, FSA, participation, and construction knowledge helpful). Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Project Management - Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations 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 accommodations.

As a Credit Risk Analyst, you will be responsible for assessing the creditworthiness of individuals and businesses, analyzing financial data, and providing recommendations to minimize risk and optimize credit decisions. You will play a critical role in maintaining the financial health and integrity of our credit portfolio. Key Responsibilities: Analyze credit data and financial statements to assess risk and make informed credit decisions Develop and maintain credit risk models and scorecards Monitor and evaluate existing credit portfolios for trends, performance, and potential risks Prepare detailed reports and risk assessments for senior management and credit committees Collaborate with underwriters, loan officers, and other internal teams to ensure accurate risk assessments Stay current with market trends, economic news, and regulatory developments affecting credit risk Recommend risk mitigation strategies and support policy development Ensure compliance with internal credit policies and external regulatory requirements Qualifications: Bachelor's degree in Finance or Business Administration preferred 2+ years of experience in credit risk analysis, financial analysis, or a similar role Strong analytical and quantitative skills Proficiency in Microsoft Excel and risk modeling tools Experience with credit scoring models and financial data interpretation Proficiency in Oracle, D&B, or Experian preferred

Join the team that has been powering growth and an excellent reputation for over 60 years ! Etna Supply is an industry leader in plumbing, heating, underground, municipal, and fire protection wholesale distribution throughout Michigan, Indiana, Ohio, and Wisconsin. We are committed to sound financial principles, building partnerships that foster teamwork, and striving for continuous improvement. We are dedicated to fairness, integrity, and respect. What We Offer: Competitive compensation, benefits, company car, and yearly bonus structure. 5 different lines of business and 2 subsidiaries that provide company stability through diversification. Professional development opportunities to support your growth. A collaborative and inclusive work environment that values your contributions. The fun challenge of working in a fast-paced, multi-location, diverse business function environment. This role is responsible for supporting warehouse and returns operations by delivering excellent customer service, accurately processing customer returns and credits, and maintaining inventory integrity. The position works closely with sales, customer service, and warehouse teams to ensure returned materials are handled efficiently, safely, and in accordance with company standards. Typical Responsibilities Deliver a positive customer experience and meet or exceed customer expectations. Follow all company SOPs and safety guidelines. Navigate the warehouse/yard layout, bin locations, and product inventory. Process customer returns and credits accurately and timely. Maintain accurate records and inventory using RF scanning and barcode equipment. Coordinate with sales, CSRs, customers, and the Returns Administrator to ensure timely return processing. Maintain the Return Goods Queue to company standards. Assist receiving, shipping, and yard operations as needed. Support general warehouse and yard housekeeping. Maintain regular, reliable attendance. Education & Experience High School Diploma or equivalent; or 1-2 years of related experience and training; or An equivalent combination of education and experience. Certifications & Licenses Ability to pass operator exam and safely operate powered industrial equipment. Must pass a substance abuse screening. Physical Demands & Work Environment Frequently required to walk, stand, talk, hear, grasp, handle, reach, and use fingers. Regularly required to sit, climb, bend, stoop, push, pull, carry, and lift up to 50 lbs . Must perform essential job functions safely and with consistent alertness. Vision requirements include near and far vision, depth perception, and color vision. Work performed primarily indoors with occasional outdoor exposure to extreme weather.

Hours: 40 Pay Details: 24.00 - 33.50 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: The Retail Credit Analyst analyzes consumer retail applications following and adhering to the procedures and policies set-forth by the company in a consistent and repeatable manner. The Analyst is evaluated on performance metrics to acquire business to generate profit for the organization while ensuring compliance to mitigate risk. This job provides excellent customer service while effectively communicating credit decisions to clients to support company's competitive advantage. Depth & Scope: Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 Cs of credit and then educate and communicate decisions to appropriate dealers and business clients Performs detailed verification and documentation for all applications that meet the approval criteria Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management Executes client level strategies as outlined by management Assists clients and the funding department in any contract problems and funding issues that may occur Engages in appropriate credit training, personnel development and coaching exercises as designated by management Education & Experience: Bachelors degree or 2 yrs automotive finance experience required Proven ability to review and interpret credit reports preferred Thorough understanding of Federal and State legislation affecting the finance and insurance business preferred Complete knowledge of Credit Policy and applicable processes and procedures relating to risk and consumer credit operations preferred Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel - Occasional International Travel - Never Performing sedentary work - Continuous Performing multiple tasks - Continuous Operating standard office equipment - Continuous Responding quickly to sounds - Occasional Sitting - Continuous Standing - Occasional Walking - Occasional Moving safely in confined spaces - Occasional Lifting/Carrying (under 25 lbs.) - Occasional Lifting/Carrying (over 25 lbs.) - Never Squatting - Occasional Bending - Occasional Kneeling - Never Crawling - Never Climbing - Never Reaching overhead - Never Reaching forward - Occasional Pushing - Never Pulling - Never Twisting - Never Concentrating for long periods of time - Continuous Applying common sense to deal with problems involving standardized situations - Continuous Reading, writing and comprehending instructions - Continuous Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Hours: 40 Pay Details: 24.00 - 33.50 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: The Retail Credit Analyst analyzes consumer retail applications following and adhering to the procedures and policies set-forth by the company in a consistent and repeatable manner. The Analyst is evaluated on performance metrics to acquire business to generate profit for the organization while ensuring compliance to mitigate risk. This job provides excellent customer service while effectively communicating credit decisions to clients to support company's competitive advantage. Depth & Scope: * Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 Cs of credit and then educate and communicate decisions to appropriate dealers and business clients * Performs detailed verification and documentation for all applications that meet the approval criteria * Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix * Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management * Executes client level strategies as outlined by management * Assists clients and the funding department in any contract problems and funding issues that may occur * Engages in appropriate credit training, personnel development and coaching exercises as designated by management Education & Experience: * Bachelors degree or 2 yrs automotive finance experience required * Proven ability to review and interpret credit reports preferred * Thorough understanding of Federal and State legislation affecting the finance and insurance business preferred * Complete knowledge of Credit Policy and applicable processes and procedures relating to risk and consumer credit operations preferred Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Occasional * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Occasional * Walking - Occasional * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Never * Squatting - Occasional * Bending - Occasional * Kneeling - Never * Crawling - Never * Climbing - Never * Reaching overhead - Never * Reaching forward - Occasional * Pushing - Never * Pulling - Never * Twisting - Never * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Full-time Description Credit Analyst Status: Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show our utmost respect to everyone we meet.” General Summary Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function. Reports To: Credit Analyst Team Lead Essential Duties and Responsibilities Use critical thinking to conduct thorough risk analysis of applications for commercial credit. Construct financial statement spreads and understand and interpret key ratios. Complete thorough real estate evaluations on various property types. Responsible for calculating risk scorecard and recommending risk ratings. Collect credit information for preparation of commercial loan package. Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate. Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers. Maintain various loan/departmental reports. Contact clients as necessary. Assist loan officers as requested. Working knowledge of and compliance with policies and procedures of the Bank. Additional responsibilities as assigned. 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 reports 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. Requirements 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 required. Experience and/or Education Bachelor's degree in finance, accounting or other related field preferred. Minimum of one (1) year Credit experience required Minimum of one (1) year commercial loan experience preferred (SBA, FSA, participation, and construction knowledge helpful). Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Project Management - Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations 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 accommodations.

Job DescriptionDescription: Responsible for the preparation of loan presentations at the direction and assistance of the Credit Administration Manager and Commercial Lenders for approval consideration. Each loan presentation shall include an independent analysis of the financials, sources of repayment, collateral, and industry, and an assessment of risk and loan grade. Maintains an up to date tickler system to track financial information required on a periodic basis and other key covenants. Assists the commercial lenders in tracking, monitoring, and requesting and this information for compliance with the Business Loan Agreement. Updates the tickler system when information is received (including spreading the financial information if required) or when a covenant has been reviewed for compliance. Orders and reviews real estate appraisals and evaluations, and prepares internal real estate evaluations and validations in accordance with FIRREA standards. This position can be located in our Traverse City or Muskegon office. Requirements: ESSENTIAL DUTIES AND RESPONSIBILITIES Responsible for preparation of complete loan presentations; able to complete all phases of a loan presentation in a timely and effective manner. Maintain a thorough understanding of financial (i.e. business financial statements, personal and business tax returns, personal financial statements) and other information (i.e. industry, competition, management, customer, supplier) to be able to spread the financial information in a common size format and analyze trends, compare with industry standards, and identify material changes to develop questions to better understand the borrower's historical financial performance and its impact on future performance. Provides independent analysis of the financial and other information, including stress testing, to assess repayment ability and loan risk and provide a loan grade. Performs annual reviews as needed per Loan Policy, including analyzing financial and industry trends, and provide a loan grade. Maintain proficiency in the Loan Vantage software at a level at which spreading of financial information and credit underwriting can be completed on a timely basis. Orders and reviews real estate appraisals and evaluations and prepares internal real estate evaluations and validations in accordance with FIRREA standards. Maintains the tickler system to track financial information required on a periodic basis and other key covenants as required by Loan Policy or Business Loan Agreement. Assists the commercial lenders in tracking (by providing exception reporting), monitoring, and requesting financial and other information on a timely basis and upon receipt, providing analysis as needed. Updates the tickler system when information is received Tracks and reviews compliance with key covenants (i.e. DSC and other ratios, Borrowing Base Formula) Assists the commercial lenders in proactively managing their maturing loans by tracking, reviewing the file for current information in a timely manner, notifying the commercial lender of information needed and/or requesting the information directly from the customer, and driving the process to a work-in-process stage. Coordinates and prepares the weekly. Commercial Banking Committee (CBC) package. Participates in the weekly Commercial Banking Committee (CBC) and acts as the committee secretary for recording and preparing meeting minutes. Coordinates loan approvals and other reporting for the Executive Loan Committee and Board. Participation in quarterly Credit Quality Review (CQR) Committee Maintains credit files, both physical and electronic. Provides support with pulling and preparing loan files for regulatory exams and Bank audits. General clerical support, including, but not limited to word processing, faxing, copying, scanning, filing, etc. Conduct research on current accounts to provide feedback and information for lenders to be able to respond to customer questions and requests. Ability to prioritize and handle multiple ongoing projects at any given time. Maintain clear and effective written and verbal communication with varying levels of Bank personnel. Other duties as assigned. OVERALL PERFORMANCE REQUIREMENTS The seven Principles of Success are part of the employee's performance expectations at every level of the Bank. The “Principles” are intended to encourage a culture of accountability, pride, loyalty and enthusiasm. The first step in being successful is to be aware of the expectations and then to live the expectations. 1. Embrace and Drive a Culture of Change Support and encourage new ideas. Generate solutions and make informed decisions. 2. Act as a Valuable & Enthusiastic Team Member Recognize the importance of teamwork to achieve objectives. Communicate openly and confidently. Influence and convince others in a way that results in acceptance and agreement. Bring in ideas, information, suggestions and expertise from others inside your immediate team and in other departments. Build strong team relationships through mutual trust and accountability. Work in unity to improve our knowledge and skills. 3. Focus on the Customer Experience to Build Loyalty Cultivate relationships. Make an emotional connection- focus on the relationship, not the transaction. Provide advice and help on WSB products and services that are relevant to the customer's unique needs. Accept customer feedback and follow documentation process if appropriate. Adheres to the customer communication protocols. 4. Accept Responsibility and Accountability Act with integrity. Be prepared for meetings, participate, respect the process and contribute solutions. Maintain commitments and remain positive in the face of setbacks and obstacles. Keep challenges in perspective and remain positive. Take personal accountability for achieving individual and shared goals. Be responsible for the effectiveness of training. Initiate action to move projects forward and adjust actions to respond to changing circumstances. Take responsibility for your own success. 5. Serve the Community with Pride Actively look for opportunities to be involved in the community. Recognize the importance of community involvement. Contribute and make a difference when dealing with outside organizations. 6. Follow Phone Etiquette · Keep side conversations to a minimum · Reduce the amount of noise that you generate by shuffling papers, moving keys or cellphones or other items · Use the mute feature of the phone or teleconference system when you are not speaking to keep outside noise to a minimum 7. Refuse to be Offended · Gain awareness of when and where you get offended · Remove your emotion in the situation · Respect different perspectives to achieve greater success QUALIFICATIONS EDUCATION AND EXPERIENCE Bachelor's degree. Prior banking experience preferred. KNOWLEDGE, SKILLS & ABILITIES Excellent knowledge of bank operations; thorough knowledge of banking and cash management products; excellent knowledge of product delivery systems and on-line computer systems. Excellent interpersonal, verbal and written communication skills. Confidentiality - Maintains confidentially of sensitive Bank and personal information of customers, applicants, employees and former employees. Compliance - Complies with and is knowledgeable of applicable laws and regulations. Computer literacy - Skilled in a variety of computer software programs and capable of working in an online environment. Proficient PC and software application skills; General computer skills with experience in MicroSoft Office Word and Excel. Mathematical skills - Able to add, subtract, multiply and divide in all units of measure, using whole number and decimals. Able to locate routine mathematical errors. Ability to compute rate, ratio and percent. Customer service - Effectively relates to customers, is responsive to customer needs and demonstrates ability to employ diplomacy and tact with customers. Independent Judgement - functions independently in order to accomplish assigned projects. Refers unusual problems to supervisor. Accuracy - Performs work accurately and thoroughly with attention to detail. Problem solving - Deals proactively with work-related problems and finds an acceptable solution. Reasoning - Possesses the analytical skill to assess and evaluate business processes and/or products. Technical Aptitude - Comprehends complex technical topics and specialized information and has knowledge of Bank's electronic services. Time management - Manages multiple priorities and is well organized. PHYSICAL REQUIRMENTS The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit; stand; walk; talk; hear; see close vision; and use hands. The employee is occasionally required to reach with hands and arms; lift 5 to 20 pounds; and stoop, kneel, crouch, or crawl. Equipment: PC, keyboard, calculator, and telephone. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Noise level is moderate; Steady pace; Occasionally must deal with angry or hostile individuals; travel within the Bank's branch offices is required. West Shore Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity. Please complete an application or send your resume to: West Shore Bank Human Resources P.O. Box 627 Ludington, MI 49431 M/ F/ Vet/ Disabled/ Minority/National Origin/ Religion/ Sexual Orientation/ Gender Identity and Expression

Join a growing community bank in Southeast Michigan. Bank Michigan is currently seeking qualified applicants for the position of Credit Analyst II. Some hybrid-remote flexibility available; however, candidate must reside within a commutable distance to one of the Bank Michigan offices for a minimum of 3 days/week in office. JOB SUMMARY Evaluates the financial condition of individuals and businesses applying for credit with the Bank. Prepares spreadsheets, financial spreads, reports, summaries and opinions for Loan Officers on new, renewal and existing loans. Provides more in-depth analysis and is able to identify trends. Oversees, provides guidance/training and may direct the work of other Credit Analysts. Makes recommendations to loan committee based on analysis and conformity to loan policy. Conducts loan file review and tracks financial reporting and covenants. Job Responsibilities: Primary: Assists in the administration of the company's commercial loan portfolios, to include credit risk management and the accurate and timely underwriting of loans to maintain quality control and minimize losses. Executes loan policies and ensures that deviations from policy are properly reported. Assists in the review and interpretation of new pending laws and regulations that potentially affect the organization's business practices. Takes the lead on more complex credit files and consults with Senior/Chief Credit Officer on complex or unusual loan relationships as needed. Provides direction to other Credit Analysts, providing guidance, training and mentoring to less experienced analysts. Tracking and recording of annual customer tax returns as well as monthly and quarterly financial statements. Updating the core system with the necessary information for the asset-based lending controls. Reviews lending policies regularly. Orders and reviews required loan due diligence, including but not limited to appraisals, evaluations, valuations, and environmental reports. Assists in the coordination with compliance manager regarding examination of lending practices and compliance with banking lending regulations. Prepares presentations concerning credit risk under the direction of the Chief Credit Officer for senior staff and board. Assists in the company's loan/overdrawn account collections process. Assists the Senior/Chief Credit Officer with monthly and quarterly reports for senior staff and board. Serves as a resource for credit policy and procedure interpretation for commercial lending officers. Conducts regular Loan Reviews of commercial, residential and consumer loan files, as needed. Acts as an advocate for the Bank in all interactions both internally and externally, including overall product knowledge of deposit and loans for aligning customers/prospects with the products that best meet their needs. Attend regular trainings/seminars both inside and outside the bank, as needed. Works harmoniously and collaboratively with team members to accomplish bank objectives. Other: Assist with other duties as assigned. Job Requirements: Education: Bachelor's Degree in business, accounting, economics, finance or equivalent combination of education/experience. Required Knowledge, Skills, Abilities, Training and Experience: Minimum of 3+ years of prior commercial credit analysis experience required. Superior attention to detail and problem-solving abilities. Successful completion of in-house training program. Ability to work autonomously and with little guidance. Displays the confidence and competence to gain/maintain the Bank's credibility. Takes initiative to learn, develop oneself and see things through from start to finish. Excellent interpersonal communication, problem solving and computer skills; ability to operate standard office equipment. Essential Physical Requirements: Ability to converse verbally and in writing with others. Ability to utilize general office equipment, Internet and various business software programs (i.e. MS office). Ability to travel within the community to attend various events and meetings. See attached job description for full position details. EEO Statement: Bank Michigan provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Further, the company takes affirmative action to ensure that applicants are treated fairly during employment without regard to any of these characteristics. Discrimination of any type will not be tolerated. Must successfully complete a comprehensive background check.

Angott Search Group is partnering with a Michigan credit union with assets north of $3 billion in their search for a Commercial Credit Analyst to support their growing Business Services team. This role is responsible for underwriting commercial loan requests, evaluating borrower financials, and preparing credit presentations. The analyst will assess loan risk, support relationship managers, and perform ongoing credit reviews to ensure sound lending decisions and policy compliance. Key Responsibilities: Analyze complex commercial and personal financial statements to assess creditworthiness Prepare clear and concise credit memos for loan approval Conduct annual reviews and risk rating updates Evaluate collateral and ensure compliance with credit policy and regulations Collaborate with lenders to understand member needs and recommend credit structures Mentor junior analysts and assist with training initiatives Qualifications: 3+ years of commercial credit or lending experience Strong understanding of financial statement analysis and credit risk assessment Bachelor's degree required Experience with credit analysis software (Sageworks preferred) SBA knowledge a plus

Agribusiness Lending Credit Internship - Grand Rapids or East Lansing, MI This is a paid Internship with an hourly rate of $19.50/hr Duration: February 2026 - August 2026 Location: Based in our Grand Rapids or East Lansing, MI office, you'll have the opportunity to contribute to the local community while being an integral part of our organization. Are you passionate about agriculture and eager to gain hands-on experience in the world of credit analysis and lending within the agricultural industry? GreenStone Farm Credit Services invites you to join our team as an ALG Credit Intern. This is a unique opportunity to collaborate with our Credit Team, sharpen your skills in credit underwriting, and contribute to the growth of your career and our organization. What You'll Gain by becoming at GreenStone Intern: Hands-on experience in the agricultural finance industry. Networking opportunities with professionals in the field. The chance to work on meaningful projects that make a difference in rural communities. Mentorship and guidance from experienced professionals. A dynamic and supportive work environment. Key Responsibilities of an ALG Credit Intern: Learn from Experts: Work closely with experienced Agricultural Lending Credit Professionals to gain valuable insights into the intricacies of credit underwriting specific to the agricultural sector. Harness Data: Utilize our advanced GreenStone systems to gather, analyze, and present critical data essential for various projects. You'll play a pivotal role in ensuring projects are executed efficiently and effectively within established timelines. Financial Analysis: Dive deep into the world of financial analysis software, where you will input, analyze, and present information crucial to project completion. Your contributions will directly impact lending decisions. Stay Informed: Stay on the cutting edge of agricultural industries and national agriculture news, developing a comprehensive understanding of the industry's dynamics and how they influence lending strategies. Collaborate: Work in tandem with our Credit Leadership team, providing support on departmental projects. This is your opportunity to make a meaningful impact on our organization's goals and initiatives. Requirements: Must be pursuing a bachelor's degree in agriculture, Business, Finance, Accounting or Economics. Agriculture background or interest preferred. Sophomore status or above in your academic program. A minimum GPA of 3.00 is required. Excellent analytical and problem-solving skills. Proficient in Microsoft Office Suite, particularly Excel, PowerPoint and Word Strong communication and teamwork skills. Self-motivated and eager to learn. About Us... GreenStone Farm Credit Services is over a $15 billion financial services institution with over 600 employees in 35 locations throughout Michigan and northeast Wisconsin. GreenStone provides short term and long-term credit to our customers, as well as a variety of other products and services, such as crop insurance, life and disability insurance, accounting services, tax planning and preparation, and appraisals. Don't miss the chance to kickstart your career with an internship with GreenStone Farm Credit Services. Apply today and be a part of our mission to support agriculture and rural communities! GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.

Chemical Bank aims to create a personal bond with each community we serve and every small business, family or customer that walks in our door. With 3,500 employees, we are now the largest banking company headquartered in Michigan. We have 249 banking centers across a three state footprint serving over 500,000 households. On March 14, 2017 we celebrated our 100th anniversary and we look forward to the next 100 years of building strong bonds with our customers and communities! Job Description As a Chemical Banker, you will join other professionals who share our community banking philosophy of making a positive impact where we live, work and play. You will be a part of a growing community bank that believes in the dreams of its customers and employees alike. With Chemical Bank, you will make a difference in your community while enjoying excellent benefits and top career opportunities. You will work with Commercial Lending Officers to provide and assist with an underwriting analysis and loan structure that accurately determines the credit worthiness of commercial credit customers and identifies and mitigates key risks. Job Duties: Prepare underwriting analysis for new loan requests, loan renewals and modifications, which includes a detailed analysis of financial performance, financial condition, financial projections, and identification of key risks and mitigating factors. The main underwriting projects will be with the Bank's largest commercial customers. 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 proposal. Assist the commercial relationship managers with loan structure, including covenant package, reporting requirements, advance rates and pricing. Proactively communicate timely updates and deliver final loan presentations within the established service standard timeframe. Assist commercial relationship managers on customer/prospect calls and assist with tracking financial reporting and monitoring requirements, including covenants and borrowing bases. Assist the commercial relationship managers with credit approval presentations. Participate in developmental events and programs as requested by the Bank Take a dynamic approach to the job by initiating actions and making decisions. Mentor new credit analysts as the opportunities arise. Perform additional duties and special projects as assigned. Qualifications Required Knowledge/Skills/Abilities: Bachelor's Degree in Finance, Accounting or Business Administration, or equivalent work experience. At least 4 years of recent regional commercial credit analyst experience with proven ability to work on increasingly complex deals. Completion of a formal credit training program is preferred. Working knowledge of and compliance with Bank Policies, Procedures and Regulations. Excellent analytical skills. Demonstrate attention to detail and accuracy. Possess the drive to work through a deal until it is done. Ability to prioritize, plan and organize work. Deliver on time, every time. Excellent verbal and written communication skills. Proficient user of Microsoft Word and Excel. Ability to make effective written and oral presentations. Has the personal drive and is self-motivated to learn and grow professionally. Additional Information All your information will be kept confidential according to EEO guidelines.

Agribusiness Lending Credit Internship - Grand Rapids or East Lansing, MI This is a paid Internship with an hourly rate of $19.50/hr Duration: February 2026 - August 2026 Location: Based in our Grand Rapids or East Lansing, MI office, you'll have the opportunity to contribute to the local community while being an integral part of our organization. Are you passionate about agriculture and eager to gain hands-on experience in the world of credit analysis and lending within the agricultural industry? GreenStone Farm Credit Services invites you to join our team as an ALG Credit Intern. This is a unique opportunity to collaborate with our Credit Team, sharpen your skills in credit underwriting, and contribute to the growth of your career and our organization. What You'll Gain by becoming at GreenStone Intern: * Hands-on experience in the agricultural finance industry. * Networking opportunities with professionals in the field. * The chance to work on meaningful projects that make a difference in rural communities. * Mentorship and guidance from experienced professionals. * A dynamic and supportive work environment. Key Responsibilities of an ALG Credit Intern: * Learn from Experts: Work closely with experienced Agricultural Lending Credit Professionals to gain valuable insights into the intricacies of credit underwriting specific to the agricultural sector. * Harness Data: Utilize our advanced GreenStone systems to gather, analyze, and present critical data essential for various projects. You'll play a pivotal role in ensuring projects are executed efficiently and effectively within established timelines. * Financial Analysis: Dive deep into the world of financial analysis software, where you will input, analyze, and present information crucial to project completion. Your contributions will directly impact lending decisions. * Stay Informed: Stay on the cutting edge of agricultural industries and national agriculture news, developing a comprehensive understanding of the industry's dynamics and how they influence lending strategies. * Collaborate: Work in tandem with our Credit Leadership team, providing support on departmental projects. This is your opportunity to make a meaningful impact on our organization's goals and initiatives. Requirements: * Must be pursuing a bachelor's degree in agriculture, Business, Finance, Accounting or Economics. * Agriculture background or interest preferred. * Sophomore status or above in your academic program. * A minimum GPA of 3.00 is required. * Excellent analytical and problem-solving skills. * Proficient in Microsoft Office Suite, particularly Excel, PowerPoint and Word * Strong communication and teamwork skills. * Self-motivated and eager to learn. About Us... GreenStone Farm Credit Services is over a $15 billion financial services institution with over 600 employees in 35 locations throughout Michigan and northeast Wisconsin. GreenStone provides short term and long-term credit to our customers, as well as a variety of other products and services, such as crop insurance, life and disability insurance, accounting services, tax planning and preparation, and appraisals. Don't miss the chance to kickstart your career with an internship with GreenStone Farm Credit Services. Apply today and be a part of our mission to support agriculture and rural communities! GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citro n, Dodge, DS Automobiles, Fiat, Jeep , Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. Position Summary: The Lease Credit Analyst II is responsible for reviewing and analyzing consumer credit applications, assessing credit history and risk, and providing decision outcomes within Stellantis Financial Services credit risk policies, compliance guidelines and profitability models. Essential Duties and Responsibilities: Review and evaluate credit reports and credit data to determine the degree of risk involved in extending credit, in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M). Develop and maintain strong dealer relationships while ensuring volume, quality control and credit quality objectives are met. Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations. Complete final disposition on credit applications utilizing authorized resources to complete verifications and due diligence when required, forwarding to appropriate level of authority if needed. Interact and communicate through various channels (including inbound and outbound phone calls) with our dealer partners, internal stakeholders and consumers, negotiate, and provide credit review outcomes, respond to inquiries, or support strategic efforts and initiatives. Maintain confidentiality due to regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth. Perform other ad hoc duties as assigned. Qualifications and Competencies Required To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Required Experience: Minimum 2 years auto finance or similar experience. Minimum 1 year of auto underwriting experience. Education: High school diploma and/or GED Skills Required: Strong analytical and organizational skills with close attention to detail. Basic windows computer skills. Mathematics (percentages), reasoning ability, judgement, and customer-facing skills. Intermediate MS Office skill in Excel, Access, Word, and PowerPoint. Excellent oral and written communication skills. Ability to interface work autonomously and handle multiple projects simultaneously. Qualifications Preferred: Experience Captive, retail automotive franchise dealership, and/or lease auto underwriting experience. Overtime required required on an as needed basis. Travel 0-10% - as required on an as needed basis. Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX; Detroit, MI; Phoenix, AZ. 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. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. Required to use a headset and or telephone for calls. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. 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 noise level in the work environment is usually moderate. Work Schedule This position requires the ability to work various shifts to accommodate business needs, which may include evening hours, holidays, and weekends. Travel is required 10% of the time. Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

Status: Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show our utmost respect to everyone we meet.” Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function. Reports To: Credit Analyst Team Lead Essential Duties and Responsibilities Use critical thinking to conduct thorough risk analysis of applications for commercial credit. Construct financial statement spreads and understand and interpret key ratios. Complete thorough real estate evaluations on various property types. Responsible for calculating risk scorecard and recommending risk ratings. Collect credit information for preparation of commercial loan package. Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate. Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers. Maintain various loan/departmental reports. Contact clients as necessary. Assist loan officers as requested. Working knowledge of and compliance with policies and procedures of the Bank. Additional responsibilities as assigned. 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 reports 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. Requirements 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 required. Experience and/or Education Bachelor's degree in finance, accounting or other related field preferred. Minimum of one (1) year Credit experience required Minimum of one (1) year commercial loan experience preferred (SBA, FSA, participation, and construction knowledge helpful). Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Project Management - Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations 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 accommodations.

Responsible for the preparation of loan presentations at the direction and assistance of the Credit Administration Manager and Commercial Lenders for approval consideration. Each loan presentation shall include an independent analysis of the financials, sources of repayment, collateral, and industry, and an assessment of risk and loan grade. Maintains an up to date tickler system to track financial information required on a periodic basis and other key covenants. Assists the commercial lenders in tracking, monitoring, and requesting and this information for compliance with the Business Loan Agreement. Updates the tickler system when information is received (including spreading the financial information if required) or when a covenant has been reviewed for compliance. Orders and reviews real estate appraisals and evaluations, and prepares internal real estate evaluations and validations in accordance with FIRREA standards. This position can be located in our Traverse City or Muskegon office. Requirements ESSENTIAL DUTIES AND RESPONSIBILITIES Responsible for preparation of complete loan presentations; able to complete all phases of a loan presentation in a timely and effective manner. Maintain a thorough understanding of financial (i.e. business financial statements, personal and business tax returns, personal financial statements) and other information (i.e. industry, competition, management, customer, supplier) to be able to spread the financial information in a common size format and analyze trends, compare with industry standards, and identify material changes to develop questions to better understand the borrower's historical financial performance and its impact on future performance. Provides independent analysis of the financial and other information, including stress testing, to assess repayment ability and loan risk and provide a loan grade. Performs annual reviews as needed per Loan Policy, including analyzing financial and industry trends, and provide a loan grade. Maintain proficiency in the Loan Vantage software at a level at which spreading of financial information and credit underwriting can be completed on a timely basis. Orders and reviews real estate appraisals and evaluations and prepares internal real estate evaluations and validations in accordance with FIRREA standards. Maintains the tickler system to track financial information required on a periodic basis and other key covenants as required by Loan Policy or Business Loan Agreement. Assists the commercial lenders in tracking (by providing exception reporting), monitoring, and requesting financial and other information on a timely basis and upon receipt, providing analysis as needed. Updates the tickler system when information is received Tracks and reviews compliance with key covenants (i.e. DSC and other ratios, Borrowing Base Formula) Assists the commercial lenders in proactively managing their maturing loans by tracking, reviewing the file for current information in a timely manner, notifying the commercial lender of information needed and/or requesting the information directly from the customer, and driving the process to a work-in-process stage. Coordinates and prepares the weekly. Commercial Banking Committee (CBC) package. Participates in the weekly Commercial Banking Committee (CBC) and acts as the committee secretary for recording and preparing meeting minutes. Coordinates loan approvals and other reporting for the Executive Loan Committee and Board. Participation in quarterly Credit Quality Review (CQR) Committee Maintains credit files, both physical and electronic. Provides support with pulling and preparing loan files for regulatory exams and Bank audits. General clerical support, including, but not limited to word processing, faxing, copying, scanning, filing, etc. Conduct research on current accounts to provide feedback and information for lenders to be able to respond to customer questions and requests. Ability to prioritize and handle multiple ongoing projects at any given time. Maintain clear and effective written and verbal communication with varying levels of Bank personnel. Other duties as assigned. OVERALL PERFORMANCE REQUIREMENTS The seven Principles of Success are part of the employee's performance expectations at every level of the Bank. The “Principles” are intended to encourage a culture of accountability, pride, loyalty and enthusiasm. The first step in being successful is to be aware of the expectations and then to live the expectations. 1. Embrace and Drive a Culture of Change Support and encourage new ideas. Generate solutions and make informed decisions. 2. Act as a Valuable & Enthusiastic Team Member Recognize the importance of teamwork to achieve objectives. Communicate openly and confidently. Influence and convince others in a way that results in acceptance and agreement. Bring in ideas, information, suggestions and expertise from others inside your immediate team and in other departments. Build strong team relationships through mutual trust and accountability. Work in unity to improve our knowledge and skills. 3. Focus on the Customer Experience to Build Loyalty Cultivate relationships. Make an emotional connection- focus on the relationship, not the transaction. Provide advice and help on WSB products and services that are relevant to the customer's unique needs. Accept customer feedback and follow documentation process if appropriate. Adheres to the customer communication protocols. 4. Accept Responsibility and Accountability Act with integrity. Be prepared for meetings, participate, respect the process and contribute solutions. Maintain commitments and remain positive in the face of setbacks and obstacles. Keep challenges in perspective and remain positive. Take personal accountability for achieving individual and shared goals. Be responsible for the effectiveness of training. Initiate action to move projects forward and adjust actions to respond to changing circumstances. Take responsibility for your own success. 5. Serve the Community with Pride Actively look for opportunities to be involved in the community. Recognize the importance of community involvement. Contribute and make a difference when dealing with outside organizations. 6. Follow Phone Etiquette · Keep side conversations to a minimum · Reduce the amount of noise that you generate by shuffling papers, moving keys or cellphones or other items · Use the mute feature of the phone or teleconference system when you are not speaking to keep outside noise to a minimum 7. Refuse to be Offended · Gain awareness of when and where you get offended · Remove your emotion in the situation · Respect different perspectives to achieve greater success QUALIFICATIONS EDUCATION AND EXPERIENCE Bachelor's degree. Prior banking experience preferred. KNOWLEDGE, SKILLS & ABILITIES Excellent knowledge of bank operations; thorough knowledge of banking and cash management products; excellent knowledge of product delivery systems and on-line computer systems. Excellent interpersonal, verbal and written communication skills. Confidentiality - Maintains confidentially of sensitive Bank and personal information of customers, applicants, employees and former employees. Compliance - Complies with and is knowledgeable of applicable laws and regulations. Computer literacy - Skilled in a variety of computer software programs and capable of working in an online environment. Proficient PC and software application skills; General computer skills with experience in MicroSoft Office Word and Excel. Mathematical skills - Able to add, subtract, multiply and divide in all units of measure, using whole number and decimals. Able to locate routine mathematical errors. Ability to compute rate, ratio and percent. Customer service - Effectively relates to customers, is responsive to customer needs and demonstrates ability to employ diplomacy and tact with customers. Independent Judgement - functions independently in order to accomplish assigned projects. Refers unusual problems to supervisor. Accuracy - Performs work accurately and thoroughly with attention to detail. Problem solving - Deals proactively with work-related problems and finds an acceptable solution. Reasoning - Possesses the analytical skill to assess and evaluate business processes and/or products. Technical Aptitude - Comprehends complex technical topics and specialized information and has knowledge of Bank's electronic services. Time management - Manages multiple priorities and is well organized. PHYSICAL REQUIRMENTS The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit; stand; walk; talk; hear; see close vision; and use hands. The employee is occasionally required to reach with hands and arms; lift 5 to 20 pounds; and stoop, kneel, crouch, or crawl. Equipment: PC, keyboard, calculator, and telephone. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Noise level is moderate; Steady pace; Occasionally must deal with angry or hostile individuals; travel within the Bank's branch offices is required. West Shore Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity. Please complete an application or send your resume to: West Shore Bank Human Resources P.O. Box 627 Ludington, MI 49431 M/ F/ Vet/ Disabled/ Minority/National Origin/ Religion/ Sexual Orientation/ Gender Identity and Expression

Job DescriptionDescription: Credit Analyst Status: Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show our utmost respect to everyone we meet.” General Summary Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function. Reports To: Credit Analyst Team Lead Essential Duties and Responsibilities Use critical thinking to conduct thorough risk analysis of applications for commercial credit. Construct financial statement spreads and understand and interpret key ratios. Complete thorough real estate evaluations on various property types. Responsible for calculating risk scorecard and recommending risk ratings. Collect credit information for preparation of commercial loan package. Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate. Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers. Maintain various loan/departmental reports. Contact clients as necessary. Assist loan officers as requested. Working knowledge of and compliance with policies and procedures of the Bank. Additional responsibilities as assigned. 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 reports 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. Requirements: 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 required. Experience and/or Education Bachelor's degree in finance, accounting or other related field preferred. Minimum of one (1) year Credit experience required Minimum of one (1) year commercial loan experience preferred (SBA, FSA, participation, and construction knowledge helpful). Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Project Management - Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations 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 accommodations.