Senior Credit Analyst

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

WMCB is committed to our customers, the communities we serve, our shareholders and our employees. We value our employees and strive to create an environment of commitment to teamwork, respect and employee development.

Any interested candidates may complete an application by clicking below on the available positions.

Youmay also complete an in person application at our Corporate Office located at 5367 School Avenue, Hudsonville, MI 49426.

If you need assistance please contact the HR Department atcareersk or call

West Michigan Community Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.

Position:Senior Credit Analyst

Location: Hudsonville, MI

Job :295

# of Openings:1

POSITION :
Senior Credit Analyst

DEPARTMENT:
Credit

STATUS:
Exempt

Primarily supports the Commercial Loan function of the Bank through the underwriting of commercial credits. This involves analyzing all types of credit information for a variety of businesses and loan types and preparing loan request presentations for use by lending officers and loan committees in the making of lending decisions. This involves a variety of supporting tasks as well.

This position works very closely with the entire commercial lending staff and on occasion other departments as well.

• Reviewing and analyzing all pertinent financial information, including tax returns and financial statements, credit bureaus, existing credit files, and other pertinent information.
• Performing analysis including the use of trend analysis, stress testing, financial covenants, traditional and universal credit analysis cash flow, and other detailed analysis.
• Spreading financial statements.
• Preparing written loan request presentations for use by lending officers and loan committees in the making of lending decisions.
• Identifying any potential developing problems and keeping loan officers informed.
• Managing workflow for commercial presentations.
• Preparing, ordering, and/or reviewing miscellaneous reports and investigations, including, but not limited to appraisals, property evaluations, collateral audits, and problem loan resolution.
• Updating various tracking systems, including financial statement reporting, lending covenants, and Policy exceptions.
• Presenting loan requests for approval as required.
• Training and mentoring non-Senior Credit Analysts in the department.
• Following federal and state regulations, Lending Policy, and related internal procedures.
• Perform other duties as assigned which may involve other loan areas.

• Bachelor’s degree (B.S. or B.A.) in finance, accounting, or business from four-year college
• 1 to 3 years Credit Analyst Experience