Zach Scholten
Commercial Credit Analyst
9th Street, Kalamazoo, MI
As a valued member of Arbor’s Commercial Team, Zach Scholten supports the lending process from start to finish as a Commercial Credit Analyst. A 2024 graduate of Western Michigan University, he earned a degree in finance with minors in general business, accounting, real estate, and Japanese.
He brought experience from another financial institution, where his work included unsecured capital. At Arbor, he prepares credit memos, analyzes financials, and ensures members enjoy a smooth lending experience.
Passionate about real estate and fascinated by how businesses operate, he brings a sharp analytical mind, strong attention to detail, and genuine enthusiasm for helping members succeed.
When asked what he enjoys most about Arbor, Zach shared, “I love Arbor. There are so many nice people to see every day. It’s the professionalism of a large institution with the community of a small one.”
Outside the office, he enjoys cooking creative dishes, training in martial arts, spending time at Michigan’s beautiful lakes, and playing his trumpet.