• Credit Analyst (Encore)

    Job Locations US-FL-Naples
    # of Openings
    Full Time
    Commercial Lending
  • Overview

    Lake Michigan Credit Union established in 1933 is one of the largest financial institutions in Michigan and one of the largest credit unions in the nation! For several years running, LMCU has earned inclusion as one of the 101 Best and Brightest Companies to Work For in West Michigan, Metropolitan Detroit and nationally!

    This award is based on key metrics like communication, work-life balance, employee education, diversity, recognition, retention and many others. This award recognizes our efforts to build a strong, sustainable business presence without sacrificing employee benefits, growth or wellbeing.

    As an employee, you'll enjoy a stimulating, professional atmosphere, supported by the latest technology, training and development. You will be encouraged to refine your existing skills in an environment of empowerment, gain new experiences, and progress to the limits of your own motivation. Our comprehensive benefit package for full-time employees includes health, dental, vision and life insurance, tuition assistance, 401(k) and pension plan options for retirement savings, paid volunteer time and paid time off that allows you to balance work and home life


    • Prepare timely and insightful credit analysis applications for a diverse portfolio of commercial and industrial, commercial real estate and professional services commercial loan customers while adhering to the Credit Union’s Member Business Loan Policy.
    • Create thorough and concise analyses of the risks and mitigants of pending commercial loan requests by reviewing and analyzing the borrowers financial statement, balance sheets, tax returns, personal financial statements, real estate and C&I collateral appraisal reports, and environmental assessment reports.
    • Prepare sensitivity analyses, pro forma cash flows, and assessments of collateral and guarantor financial condition.
    • Prepare renewals and annual reviews of existing relationships including covenant testing and other maintenance duties.
    • Assist with the appraisal procurement process of the department.


    • A minimum of one year up to three years of similar or related experience, including direct credit analysis experience in a commercial lending environment.
    • The successful completion of a formal credit/financial analyst training program is strongly preferred.
    • Proficiency with Microsoft Office products (Work, Excel, Power Point, etc.) and financial statement spreading software.
    • College degree in Finance, Accounting, or Business related field.
    • Exceptional written and oral communication and interpersonal skills.
    • Detail oriented.


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