Credit Analyst – Hancock

Summary: Analyze credit data and financial statements to evaluate the financial condition and degree of risk involved in extending credit or lending money to individuals and businesses. Prepare reports with credit information for use in decision making.

Department: Credit Department

Reports To: AVP/Credit Manager


  • Obtain information and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • Analyze and report on loan data provided by credit bureaus, financial records, and other financial institutions in regard to new, renewing, and existing borrowers/loans
  • Generate financial ratios to evaluate customers’ financial status
  • Consult with customers to resolve complaints and verify financial and credit transactions
  • Review and prepare written analyses, spreadsheets, reports, summaries, and opinions and prepare or assist in the preparation of loan memorandum for presentation to lenders and/or loan committees
  • Maintain the commercial financial information loan files
  • Perform commercial loan collateral/floor plan audits
  • Perform internal small business loan audits of documentation and officer risk ratings
  • Monitor loan covenants
  • Monitor borrowing base and stock secured margins on selected commercial loans
  • Understand and follow bank/department regulations, policies, and procedures, and participate in all compliance-related training
  • Perform other duties as assigned and/or necessary


  • Bachelor’s degree in business, accounting, finance, or related field; or equivalent combination of education and experience
  • Two to five years banking experience preferred


  • Motivated self-starter with strong organizational and project management skills and the ability to work independently and set priorities
  • Strong verbal and written communication skills
  • Strong attention to detail
  • Strong analytical and problem solving skills
  • Proficient in the use of Microsoft Word and Excel

How to Apply

To apply, please complete the Employment Application. Submit the Employment Application, along with your resume and cover letter, via email to or you may mail it to the address below. Please note that incomplete applications will not be considered.

Mailing Address:
Superior National Bank
Attn: Human Resources
P.O. Box 450
Hancock, MI 49930

We are an equal opportunity employer and do not discriminate on the basis of age, sex, race, religion, color, national origin, sexual orientation, gender identity, height, weight, genetic information, marital status, disabled veteran status, veteran status, or disability.

Reasonable accommodations are available. Should you require any auxiliary aids, services, or other accommodations to apply for employment at Superior National Bank, please notify the Human Resources Department toll-free at 866.482.0404.

About Superior National Bank:

Superior National Bank is recognized by BauerFinancial, Inc. as a 5-Star, Superior bank, their highest rating assigned.  BauerFinancial also ranks SNB as one of the nation’s strongest financial institutions.

Headquartered in Hancock Michigan,  Superior National Bank serves clients in the Upper Peninsula and Southeast Michigan regions and employs over 250 people.  SNB provides individual consumers, businesses, municipalities and corporations with a full range of banking services spanning lending, deposit accounts, online and mobile banking services, retirement plans and trust and wealth management.

2021 marks Superior National Bank’s 131st year in business, a milestone made possible by its commitment to people, businesses and communities. With values that focus on people and customers first, Superior National Bank prioritizes innovative thinking, teamwork and the highest level of integrity.  If these values align with your own, please apply to join our team