Commercial Credit Analyst

Angott Search Group is pleased to partner with a Michigan-based community financial institution in the search for a Senior Credit Administrator to lead commercial credit administration, portfolio risk management, and underwriting operations.  This position is responsible for overseeing credit quality, managing analytical staff, improving processes, and ensuring regulatory compliance while maintaining strong relationships with borrowers and credit union partners.

Key Responsibilities:

• Lead and mentor credit analysts, portfolio managers, and financial analysts to ensure quality, accuracy, and efficiency.

• Oversee commercial loan portfolio performance, credit risk monitoring, and underwriting activities.

• Analyze financial statements, cash flow, collateral, and borrower creditworthiness to evaluate lending risks.

• Monitor loan covenants, risk ratings, delinquent accounts, and portfolio exceptions.

• Provide recommendations on loan structures, credit decisions, renewals, and workout strategies.

• Develop and improve credit administration processes, reporting, and risk management procedures.

• Partner with senior leadership to ensure timely portfolio reporting and regulatory compliance.

• Support examinations, audits, and regulatory requests.

• Build and maintain strong relationships with credit unions, borrowers, and internal stakeholders.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or a related field; equivalent experience considered.

• Extensive experience in commercial lending, credit administration, underwriting, or portfolio management.

• Previous leadership or supervisory experience preferred.

• Strong knowledge of commercial credit analysis, financial statements, and risk assessment.

• Familiarity with NCUA regulations and commercial lending compliance.

• Excellent analytical, problem-solving, communication, and decision-making skills.

• Ability to lead teams, manage competing priorities, and drive process improvements.