Commercial Banking Analyst

This position will primarily support the commercial lending function by analyzing financial information and preparing loan presentations to be reviewed for loan approvals. Other duties include tracking the timely receipt of financial data and assisting with the Bank’s various regulatory examinations and loan review experiences.

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

include the following. Other duties may be assigned.

Develops credits, in the form of a loan write up, for use by lending officers or committees in the making of lending decisions on new, renewal, and extension loans.

Spreads financial statements.

Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches, and determines the need for more thorough investigation or additional information.

Watches for any developing problems and keeps loan officers informed.

Performs analysis for presentations, including the use of stress testing, financial covenants, UCA cash flow and more detailed analysis.

Prepares and maintains control of workflow and all commercial presentations, including final approvals.

Miscellaneous reports and investigations: preparing board reports, floor plan audits, problem resolution.

Follow federal regulations and related internal procedures.

This position has no supervisory responsibilities.

Bachelors degree (B.S. or B.A.) from a four-year college or university preferably in accounting or finance.

• Bachelor’s degree in accounting or finance
• Solid working knowledge of Microsoft Office, specifically Excel and Word
• Strong written and oral communication skills
• Strong interpersonal communication skills
• Ability to organize, prioritize and work independently is essential
• Ability to manage multiple tasks with frequent interruptions
• Ability to maintain confidentiality in all aspects of job
• Excellent service orientation and team approach

Assigned annually through BVS

None required

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand, walk, reach with hands and arms, and talk or hear.

The employee may occasionally lift and/or move up to 10 pounds.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

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.