Who We Are

Bank of Ann Arbor is one of the nation's best financial institutions, serving the Southeast Michigan area for over 25 years! At Bank of Ann Arbor, we help our clients succeed financially. We serve our clients with a purpose and a passion, and our talented team delivers uncompromised value with every interaction. It is the mission of Bank of Ann Arbor to be a dynamic, growing and sustainable community bank that is the premier financial institution within the markets it operates; it will be owned by individuals in its markets, managed locally, and responsive to the needs of its communities. The Bank will serve and partner with its customers and communities to achieve their financial goals through high quality products delivered by energized employees and through community service comprised of donations, time, and leadership. Our employees are valued and will work in a culture that invests in their development and rewards their positive contributions.

For the third time in five years, we were named one of American Banker's Best Banks to Work For (only 75 of 6,000 institutions were named) thanks to our strong culture, value system, competitive benefits, terrific team, strong commitment to the community, and fun work environment.

Since Bank of Ann Arbor was founded in 1996, we've consistently supported the communities we serve. We've contributed over $5.4 million to help support area nonprofit organizations, schools, faith-based institutions, the arts, and others. In 2017, Bank of Ann Arbor personnel volunteered more than 3,000 hours to nearly 200 nonprofit organizations.

Who You Are

As Credit Analyst, you are conducting in-depth industry and financial analysis of existing and potential borrowers while providing a high level of quality service to all customers. Working closely with Loan Officers to process requests for financing from inception through payoff, including renewals and modifications of new and existing loans. A successful candidate a naturally curious individual. You enjoy the challenge and doing a deep dive into data to find a solution. You are naturally inquisitive with a problem-solving mindset, flexible and able to adapt to frequently changing priorities, have a positive attitude and ability to complete work within the required, often fast-moving timelines. Our function is a critical piece of the loan approval process, it is important that we approach our role with highest attention to detail and integrity ensuring the right decisions are made.

Your Role

• Conducts thorough risk analysis of applications for commercial credit including; financial statements, borrowing base certificates, and loan stress testing and a written commercial loan analysis for review by officers, committee, or Board as appropriate
• Support Loan Officers to ensure required financial information is processed in an accurate, timely, and consistent manner, monitoring compliance with required loan covenants mitigating financial risk.
• Review incoming financial statements on assigned loans or as requested. Construct financial statement spreads. Analyze year-end and interim financial statements, including performance ratios.
• Regularly reviews compliance with all applicable laws and regulations relating to the commercial lending function and internal loan policy.
• Prepares reports for Management and the Board as assigned.
• Perform collateral reviews and audits as requested.

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Experience and Skills