Credit Analyst, Full Time, Alpena

We're seeking a collaborative, detail-oriented professional with expertise in financial analysis and risk mitigation to join our dynamic team. As a Credit Analyst, you'll balance technical expertise with strong relationship-building skills, working in a fast-paced environment where each day brings new challenges and opportunities to make a difference.

Role Overview

In this position, you'll work closely with team members and business members to support our lending operations. You'll analyze business loan requests, manage member relationships, and ensure portfolio quality while maintaining our high standards of member service.

Core Responsibilities

• Perform comprehensive financial analysis and risk assessment of business loan requests, including cash flow analysis and industry trends
• Create detailed loan presentations with risk assessments and manage the full loan documentation process
• Conduct site visits and maintain strong relationships with business members while identifying opportunities for additional services
• Process and close business loans while ensuring regulatory compliance and quality documentation
• Monitor market conditions, contribute to process improvements, and support development of new lending products
• Collaborate across departments to support portfolio management and member service excellence

Work Environment

• Fast-paced, challenging, dynamic setting


• Strong emphasis on teamwork and collaborative decision-making


• Balance of independent work and team collaboration


• Focus on building and maintaining long-term relationships


• Requirement to follow structured processes with flexibility to meet members’ needs

Qualifications

• Previous work experience in lending or finance, or degree in Business, Accounting, or Finance
• Candidates with equivalent combination of education and relevant work experience will be considered
• 3+ years of experience in credit analysis or lending preferred
• Valid driver's license required
• - NMLS license
• 
  

What Make You a Great Fit?

• Strong analytical capabilities combined with excellent people skills


• Ability to adapt communication style to different audiences


• Natural relationship builder with a service-oriented mindset


• Excellent time management and ability to handle multiple priorities


• Detail-oriented while maintaining big-picture perspective


• Collaborative decision-maker who values team input


• Self-motivated with a positive, solutions-focused attitude

Ready to join a dynamic team where you can make a difference through both technical expertise and relationship building? Apply today! Check out our great employee benefits at www.northlandcu.com/career!

Northland Area FCU is an Equal Opportunity Employer