Credit Analyst
Capitol Bancorp Limited - Brighton, MI

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Michigan Commerce Bank

located in Brighton, MI is currently filling the position of Credit Analyst . This position will have the responsibility for providing credit analysis for the lending activities of the Bank. This position will provide analytical services in the administration of loan accounts. When needed, and in conjunction with loan officer(s), this person will meet with current and potential customers to obtain information needed for loan requests.


  • Underwrites, analyzes and prepares presentations for loans. Assists in negotiating loans and structuring presentations.
  • Analyzes the credit and collateral aspects of business and individual loans both secured and unsecured.
  • Monitor loans to ensure proper documentation with respect to items such as periodic calculation of ratios to determine financial covenants.
  • May perform related duties as assigned or as the situation dictates.

  • Assists with documenting loans to ensure complete loan files are maintained; work with customers on loan accounting/payment issues as needed.
  • May be assigned various projects involving research on lending programs, review of outstanding loans or exploration of lending alternatives for prospective customers.
  • May have responsibility for the loan tickler system.

  • Possess the analytical skill to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations.
  • Thorough understanding of financial data such as cash flow, balance sheet and collateral dynamics of customers’ properties and geographic area.
  • Ability to deal effectively and tactfully with all levels of Bank personnel and outside business contacts.
  • Experience with Excel, Microsoft Word and spreadsheet software. Good written and verbal skills.

  • Qualifications:

  • Bachelors degree in finance or accounting, and/or commensurate work experience is required.
  • One to three years previous lending experiences is preferred with a diversified background in lending. Knowledge of documentation, appraisal analysis, etc is preferred and normally acquired through specialized education or experience.