Careers

Commercial Credit Analyst

Location: 2200 Commonwealth Boulevard, Ann Arbor, MI 48105
Employment Type: Full-time - $70,000 - $80,000 a year

Benefits:

• Flextime
  

• 401(k)
  

• Health insurance
  

• 401(k) matching
  

• Paid time off
  

• Vision insurance
  

• Dental insurance

Full Job Description:
The Credit Analyst I is responsible for completing commercial credit analysis. Demonstrate enthusiasm for MBC core values: Teamwork, Accountability, Integrity, Innovation and Leadership. Support credit function while maintaining, expanding and building internal and external relationships, resulting in a high degree of customer satisfaction.

• Analyze credit data and financial statements for small business or less complex transactions to determine the degree of risk involved in extending credit or lending money to current and prospective borrowers.

   

• Complete accurate and timely underwriting documents to submit to loan committees and individuals for approval demonstrating independent judgment, appropriate recommendations, and risk ratings.

   

• Actively partner with internal and external Relationship Managers in the negotiation of loan terms and structure requirements.

   

• Maintain knowledge and awareness of NCUA regulations directly impacting commercial loan underwriting.

   

• Create and maintain credit files in accordance with format and retention guidelines.

   

• Partner with Documentation and Portfolio Management departments to properly transition loans.

   

• Provide guidance, training, and support to Financial Analysts and Interns.

   

• Actively participate with and support Credit Analysts and Portfolio Managers in the preparation of periodic reviews of borrower status, compliance and document findings in various risk reporting formats.

   

• Perform other credit and risk management duties as required.

Commercial Loan Portfolio Manager I

Location: 2200 Commonwealth Boulevard, Ann Arbor, MI 48105, with frequent day travel required
Employment Type: Full-time - $66,082 - $99,123 a year

Benefits:

• Flextime

• Referral program

• 401(k)

• Health insurance

• Retirement plan

• 401(k) matching

• Paid time off

• Vision insurance

• Health savings account

• Dental insurance

• Flexible spending account

• Life insurance

• Employee assistance program

Full Job Description:

The Portfolio Manager I is responsible for commercial credit analysis and portfolio risk monitoring.

Demonstrate enthusiasm for MBC core values: Teamwork, Accountability, Integrity, Innovation and Leadership.

Manage and service a portfolio of commercial loan relationships while maintaining, expanding and building relationships, resulting in a high degree of customer satisfaction.

• Monitor information related to borrower performance, abilities, and industry to determine that loan is an acceptable risk. This will consist of statement, covenant and insurance tracking, risk rating updates, administrative loan status reports and other commercial scorecard items.

   

• Oversee the management of portfolio risk associated with current borrowers, including review of current account status, to include, but not limited to, past due accounts and matured notes, and provide recommendations for such accounts.

   

• Demonstrate independent judgment through interpretation of loan documents and interaction with Borrowers and Credit Unions.

   

• Prepare documentation required for the processing of loans, review status of existing loans, take appropriate action on loans that are mature or past due and perform loan closings.

   

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit and provide lending recommendations, which are based on an analysis of borrower’s financial condition, cash flow, capacity, collateral and ability to repay.

   

• Prepare reports on loans, including information such as past dues, documentation and collateral exceptions, financial performance updates and portfolio profitability. Provide accurate analysis of financial statements, industry risks, collateral requirements and credit risk required to appropriately structure loans.

   

• Utilize spreadsheet programs to generate financial ratios, trend lines, etc. to evaluate existing borrowers’ financial status and their performance against peer groups.

   

• Conduct borrower interviews as needed to develop information concerning lending needs, abilities and earnings to determine whether a loan is of acceptable risk.

   

• Implement strategic and tactical business solutions to enhance the management of loans to mitigate risk and minimize losses.

   

• Review borrower files and portfolio reports to identify and select delinquent accounts for review and/or collection. Participate in collection efforts and determination of loan work out scenarios.

   

• Provide guidance, training, and support to Financial Analysts and Interns.

   

• Perform other credit and risk management duties as required.

   

• Actively participate with credit unions and borrowers in the negotiation of loan terms and structure requirements.

   

• Demonstrate continued focus on borrower retention efforts and identify opportunities to expand existing relationships.

Commercial Relationship Manager

Location: 2200 Commonwealth Boulevard, Ann Arbor, MI 48105, with frequent day travel required
Employment Type: Full-time - $100,719 - $151,078 a year

Benefits:

• Flextime

• Referral program

• 401(k)

• Health insurance

• Retirement plan

• 401(k) matching

• Paid time off

• Vision insurance

• Health savings account

• Dental insurance

• Flexible spending account

• Life insurance

• Employee assistance program

Full Job Description:

This position will be accountable and responsible for generating new commercial loan origination opportunities, and managing assigned relationships for retention, relationship and service satisfaction with loans and other ancillary credit and non credit products sales and services.

Generate loan opportunities within targeted risk profile for assigned markets and credit unions.

• Work closely with internal partners to facilitate the development of new business relationships as well as develop prospects through lead lists and referral sources. Proactively play a vital role in the growth and development of the commercial lending portfolio.

   

• Maintain an accurate sense of market, understanding participating Credit Union needs as well as the competitive landscape

   

• Represent MBC and the credit union industry in various business and community events and activities to both generate loans and contribute to positive perceptions of credit union capability and commitment

   

• Represent MBC with assigned credit unions and facilitate development of staff and process to improve credit union capabilities with business lending

   

• Provide initial lending recommendations which are based on an analysis of borrower’s financial condition and MBC credit culture

   

• Clearly articulate MBC credit risk profile and prospect for loans that are likely to meet MBC underwriting standards

   

• Use MBC provided tracking system for all incoming loan opportunities, and ensure prompt and clear communications which define application requirements and status

   

• Screen incoming opportunities for alignment to MBC credit risk standards prior to submission

   

• Upload timely ALL applicants financial and loan information upon receipt to designated MBC Share Drive folder to ensure data and personal information is protected.

   

• Ensure appropriate compliance with Reg B and other regulations when opportunities do not meet requirements

Financial Analyst

Location: 2200 Commonwealth Boulevard, Ann Arbor, MI 48105
Employment Type: Full-time - $55,000 - $69,000 a year

Benefits:

• Flextime

• Referral program

• 401(k)

• Health insurance

• Retirement plan

• 401(k) matching

• Paid time off

• Vision insurance

• Health savings account

• Dental insurance

• Flexible spending account

• Life insurance

• Employee assistance program

Full Job Description:

This position will be accountable and responsible for commercial credit analysis and portfolio risk monitoring. 

Support credit and portfolio management functions while maintaining, expanding and building internal and external relationships, resulting in a high degree of customer satisfaction.

• Prepare periodic reviews of borrower status and compliance and document findings in various risk reporting formats. 

• Input and track status for items such as risk ratings, periodic loan reviews, site inspections, property tax status, troubled loan reporting classification, Default Management Services, loan delinquencies, loan loss reserve requirements, etc. 

• Oversee delinquent loan billing, production, mailing, etc. 

• Evaluate collateral values of properties securing loans, including reviewing for accuracy and completeness various due diligence reports such as appraisals, environmental assessments, etc.

• Partner to analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to current or prospective borrowers.

•  Prepare annual review, modification or new underwriting analysis reports with this credit information for use in decision-making.     

• Utilize spreadsheet programs to generate financial ratios, trend lines, etc. to evaluate prospective borrowers’ financial status and their performance against peer groups. 

• Participate in the creation and maintenance of software programs to manage portfolio risk of borrowers.

• Participate in the pipe-line tracking process and coordination of request packages for Underwriter review. 

• Maintain credit files in accordance with format and retention guidelines. 

• Perform other credit and risk management duties as required.

Human Resources Manager

Location: 2200 Commonwealth Boulevard, Ann Arbor, MI 48105
Employment Type: Full-time - $84,000 - $106,000 a year

Benefits:

• Flextime

• 401(k)

• Health insurance

• 401(k) matching

• Paid time off

• Vision insurance

• Health savings account

• Dental insurance

• Flexible spending account 

Full Job Description:

Commercial loan underwriting, origination and management for community financial institutions in Michigan, primarily serving Credit Unions. MBC's mission is to energize and enable quality lending programs using cost and risk sharing as a competitive platform. Leveraging this advantage Michigan Credit Unions have helped Michigan business owners and real estate investors with more than $2 Billion dollars of commercial financing since 2004.

The Human Resources Manager is responsible for leading all aspects of human resources, including talent acquisition, employee relations, compliance, performance management, benefits administration, and culture development. This role serves as a trusted advisor to leadership and a key partner across the organization. The ideal candidate is proactive, organized, and eager to shape HR operations in a fast-growing financial services environment.

Talent Acquisition and Staffing

• Partner with department leaders to identify hiring needs and forecast workforce planning.

   

• Manage full-cycle recruiting, from posting roles through offer negotiation.

   

• Build recruitment pipelines to support rapid growth.

   

• Develop onboarding programs that create a strong first‑year employee experience.

   

Employee Relations and Culture

• Serve as a confidential resource for employees and provide guidance on HR-related issues.

• Support managers with coaching, conflict resolution, and performance conversations.

• Lead initiatives that strengthen culture, engagement, and retention.

• Drive efforts aligned with company values.

HR Operations and Compliance

• Ensure HR practices comply with federal and state employment laws, especially within financial services.

• Maintain accurate employee files, HR systems, and reporting metrics.

• Lead annual policy reviews, handbook updates, and required training.

• Support audit and regulatory needs related to HR or workforce compliance.

Compensation and Benefits

• Administer employee benefits programs, open enrollment, and vendor relationships.

• Assist with compensation benchmarking and pay structure management.

• Provide guidance to employees on benefit eligibility, enrollment, and changes.

• Performance Management and Development

Performance Management and Development

• Manage the performance review process and help leaders create effective development plans.

• Support training efforts, including management development and compliance training.

• Identify skills gaps and recommend training or development paths.