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Credit Analyst

Start your career in banking with us! Mercantile Bank is looking to hire a full-time Credit Analyst to support our Commercial Lending team in our Kalamazoo, Grand Rapids, Troy, Lansing, Mt. Pleasant, and Traverse City markets. Receive the best Commercial Banking training in the state and be part of a team that is on track to become future leaders in banking.

Core Responsibilities:

• Receive best of class training
• Use your analytical abilities to assess commercial client financial information
• Your write-ups and presentations will lead to important lending decisions

Why Mercantile Bank?

Mercantile Bank was founded by entrepreneurs who believed building strong relationships and communities is accomplished through collaboration and innovation. It's more than being a financial institution, it's being a trusted ally and community partner. As Michigan's largest community bank, our roots are deeply embedded in the diverse communities we serve. Our commitment to our customers and community is at the core of all we do.

As an employee of Mercantile Bank, you will receive competitive compensation, bonus opportunities, and best-in-class benefit options. With a minimum of 3 weeks' vacation, sick time, 11 paid holidays, generous 401k match of 5%, company paid life insurance, tuition reimbursement, IVF and adoption assistance, zero-interest loans for fitness equipment and business attire, discounted bank services, employee stock purchase plan, 529 savings plans, health savings accounts, flexible spending accounts, legal protection, exceptional training and development opportunities, and encouragement to connect with community through volunteer opportunities.

A Look into Your Day

You will start your career as a Credit Analyst with a group of other energetic college graduates who are ready to start their banking career, like you. Your first eight weeks will be filled with extensive commercial credit training in Grand Rapids, MI. After your training is complete you will begin to use your new knowledge and analytical abilities to conduct thorough assessments of client financial information. You will figure out how companies make money by examining crucial factors such as cash flow, collateral, and guarantor support. As an excellent communicator with stellar written and presentation skills, you will prepare a write-up and present your findings to our managers and lenders, paying particular attention to a borrower's ability to repay. Your insightful evaluation is invaluable to our lending team and helps them decide whether to invest bank capital with a particular borrower.

Each credit request presents a different set of challenges that you will take the initiative to quickly learn to address as you accept more and more complex requests. Your career doesn't stop as a Credit Analyst. Our Credit Analysts are highly sought for future leadership and sales positions within the bank. The team at Mercantile is committed to seeing each team member grow through interactions with mentors and co-workers.

In addition to learning about commercial banking, you will get to know your community through volunteer opportunities and networking with other centers of influence.

What We're Looking For

Do you enjoy learning how companies make money? Are you ambitious and eager to learn? Does a career in a Sales orientated position appeal to you? Do you pride yourself on sticking to a task until it's complete? Are you attentive to detail? Do you take the initiative? Are you mathematically and analytically minded? If yes, you might just be perfect for this position!

Requirements:

• Bachelor's degree in finance, accounting or business economics
• College GPA of 3.2
• A minimum of two college-level accounting courses

Preferred Qualifications:

• College GPA of 3.5 or higher
• Previous internship experience in business or finance

Work Schedule

As a full-time Credit Analyst, you will typically work from 8 am - 5 pm, but more hours may be needed for extra study or for putting your best foot forward.