Credit Analyst

About the role

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor and one of The Monitors Top 100 Leasing Companies in 2026, is seeking a credit professional with an eye towards growth. This position offers the opportunity to build on your existing Credit Underwriting experience in a fast-paced, team-oriented environment. At UniFi, the Credit Analyst is a trusted business partner who helps shape portfolio quality, makes thoughtful credit decisions based on facts and supports the overall growth of the company.

Responsibilities

• Review, approve or recommend credit of new applications within established policy and authority limits.
• Communicate credit decisions or requests for additional information effectively to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in building and maintain relationships with our partners.
• Help maintain a high-quality credit risk management environment using established credit guidelines.
• Use credit tools like PayNet, Dun & Bradstreet, Consumer Credit Reports, etc., in the credit decision process.
• Identify, analyze, and monitor delinquent or high-risk accounts and prepare regular report updates of findings to management.
• Participate in internal and external training as required.
• Other duties as assigned.

Requirements

• 2 years' experience of progressive commercial credit adjudication, with excellent analytical ability.
• Working knowledge of commercial lending regulations.
• Knowledge of financial statements, cash flow analysis, industry/market research.
• Knowledge of equipment finance products and documentation.
• Strong communication and interpersonal skills.
• Excellent problem-solving capability.
• Knowledge of Microsoft Office suite of products.

Preferred

• Bachelor's degree in finance or economics.
• Equipment Leasing and Finance experience.
• In or near Ann Arbor, MI.

Benefits

• Direct Access and Impact: Work in a collaborative environment where your input and opinion matters.
• Fast Paced, Energetic Environment.
• Stability of a very strong bank owned platform (Bank of Ann Arbor).
• Join a Fast Growing, Highly Motivated Team focused on the future!