Top 10 Credit analyst Jobs in Alpena, Mi

Consumer Loan Underwriter
Alpena Alcona Area Credit Union —Alpena, MI
- $21.76 - $32.64 an hour
- 8 hour shift
- Mid-level
- Office
- Bachelor's degree
- Wellness program
- AD&D insurance
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- Microsoft Outlook
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Part Time Instructor - Concurrent/Direct Credit Program
Alpena Community College —Alpena, MI
- Part-time
- School experience
- High school
- Word processing
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Consumer Loan Underwriter

Alpena Alcona Area Credit Union -
Alpena, MI

Apply Now

Job Details

Full-time
$21.76 - $32.64 an hour

Benefits

Wellness program
AD&D insurance
Paid holidays
Disability insurance
Health insurance
Dental insurance
Flexible spending account
Tuition reimbursement
Paid time off
401(k) 4% Match
Uniform allowance
Employee assistance program
Vision insurance
401(k) matching
Life insurance
Paid sick time

Qualifications

Underwriting verification process
Loan compliance checks
Underwriting guidelines adherence
Corporate training
Valuation
Consumer lending analysis in risk and credit
Mid-level
Bachelor's degree
Decision making
Conflict management
Mentoring
Credit report review
Debt-to-income ratio analysis
Collateral evaluation (loan underwriting)
Manual underwriting
Verification (borrower information)
1 year
Credit report analysis
Debt risk assessment
Communication skills

Full Job Description

Announcement Date:

August 4, 2026

Location of Position:

Alpena, MI

Salary:

$21.76 to $32.64 (based upon experience)

Days:

Monday through Friday

Hours:

40 hours per week

Duties:

Role:

A Consumer Loan Underwriter understands, communicates and works to achieve and follow the Credit Union's mission and member promise statements. This role is responsible for analyzing, evaluating, and approving or denying consumer loan applications in compliance with AAACU's lending policies, procedures, and applicable regulations. This position ensures that lending decisions are made promptly and accurately while maintaining a strong focus on member experience and risk management.

Essential Functions & Responsibilities:

Review and analyze consumer loan applications for accuracy and completeness.

Assess creditworthiness using credit reports, income verification, debt-to-income ratios, and collateral valuation.

Make sound underwriting decisions within delegated lending authority or recommend decision for higher approval levels.

Ensure all loan decisions adhere to AAACU loan policies, federal and state regulations, and NCUA guideline.

Identify and mitigate potential risks while maintaining AAACU's loan quality and portfolio performance.

Communicate loan decisions to branch staff, lending officers, and originators.

Provide guidance to branch and lending teams regarding structuring loans to meet member needs while maintaining prudent risk practices. Assist in training and mentoring staff on lending policies and credit guidelines.

Work closely with loan processors, originators, and branch staff to ensure smooth and timely loan processing.

Performs other job related duties as assigned.

Requirements:

Performance Measurements:

1. Achieve or exceed loan turnaround time and efficiency.

2. Ensure accuracy of loan decisions.

3. Ensure loan decisions are in compliance with all applicable Federal, State, and lending regulations, policies, and procedures.

4. Provide informed, professional, and accurate service and support to all members and associates.

Additional Desired Attributes:

Knowledge and Skills:

Experience One year to three years of similar or related experience.

Education (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Interpersonal Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills Thorough knowledge of principles and processes for providing member and personal services. This includes member needs assessment, meeting quality standards for services, and evaluation of member satisfaction. Considers the relative costs and benefits of potential actions and chooses the most appropriate one. Talks to others to convey information effectively.

Misc Comments:

Benefits for Full-Time Employees Includes:

Paid Vacation
Paid Sick Time
Paid Personal Time
Paid Holidays (including your birthday)
Paid Bereavement
Medical / Dental / Vision Insurance (Employee pays ZERO premiums!)
Life Insurance (2x annual salary)
Short Term / Long Term Disability
- AAACU puts in 7.25% of your gross wages AND will match 100% up to 4% of your contributions!
Tuition Reimbursement
Wellness Program
Student Loan Paydown
Employee Assistance Program
AFLAC
Flexible Spending Accounts
Employee Clothing Loan
Community Volunteerism Pay
Longevity Bonus

Apply Now

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credit analyst jobs in alpena, mi

Consumer Loan Underwriter

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Part Time Instructor - Concurrent/Direct Credit Program

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