Company Overview
County National Bank was founded in 1934 as a community bank and we continue to be committed to serving the communities of southern Michigan. With 13 full-service branches and several other financial services offices, our decisions are made by local associates and board members who have a vested interest in the communities we service. Our mission is to sustain a deep commitment to our community and our tradition of banking excellence.
Our associates are our greatest asset; they are committed to building lasting relationships with clients and coworkers. When you join CNB, you will become a part of a legacy that supports the success of our associates and our communities. If you are looking for a career with purpose and a team that values friendly and knowledgeable service, we encourage you to apply.
CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Credit Analyst I. This position will be ON-SITE at our Jackson location.
Key Responsibilities
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Analyzes commercial client financial statements, tax returns, and related documentation to assess creditworthiness.
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Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments.
- Assists in underwriting commercial credit requests in accordance with bank policy and regulatory requirements.
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Maintains accurate and completes files and documentation and provides updates as needed to business partners.
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Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
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Completes and updates various reporting for Loan Committee or Board.
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May perform various other duties as assigned.
Qualifications
Required:
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Associates Degree in Finance, Accounting, Business Administration, Economics or related field.
- 0-2 years of relevant experience in credit analysis, commercial banking, accounting, or financial analysis.
Preferred:
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Basic understanding of commercial lending concepts.
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Familiarity with banking regulations and credit risk principles.
Skills
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Strong financial analysis and quantitative skills.
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Ability to interpret financial statements and cash flow.
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Attention to detail and strong organizational skills.
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Effective written and verbal communication skills.
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Ability to manage multiple priorities and meet deadlines.
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Proficient with Microsoft Office programs.
Work Environment
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This position is an on-site position located in our Jackson, Fields office and may require occasional travel.
Physical Requirements
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Ability to sit and/or stand for long periods of time.
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Comfort with using a phone, fax, or other devices for calls, document sharing, and communication.
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Ability to see difference between colors, shades, and brightness to identify documents.
Job Summary
The Credit Analyst I supports the bank’s commercial lending function by analyzing financial information, assessing credit risk, and preparing credit documentation for commercial loans. This entry-level role works closely with commercial lenders and senior credit staff to ensure sound credit decisions are made while delivering timely service to clients.
