Credit Analyst - Twin Cities

Job Title Credit Analyst - Twin Cities
Reports To SVP/Area Manager
Classification Non-exempt Full-time
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The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing up loan requests; promotes business for the Bank by maintaining good customer relations.

Primary Duties

  • Analyze current, historical and projected financial condition and repayment capacity of a variety of operating companies.
  • Research and assess credit risk thoroughly with little direction from a supervisor.
  • Provide a detailed and concise summary to assess credit risk and provide input as to the quality of the credit.
  • Recommend loan structure, pricing, and additional credit facilities available for up sell to the lender.
  • Prepare, spread, and analyze financial statements and tax returns.
  • Prepare and present credit presentations to Loan Officers and Loan Committee for use in the making of lending decisions on new, renewal, annual review, and extension loans.
  • Provide various board reports or support.
  • Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

Skills Required

  • Experience in analyzing financial statements and tax returns.
  • Analytical – Synthesizes complex or diverse information; collects and researches data.
  • Problem Solving – Gathers and analyzes information skillfully; Develops alternative solutions.
  • Written and Oral Communication – Writes and speaks clearly and informatively; presents numerical data effectively; able to read and interpret written information.
  • Quality - Demonstrates accuracy and thoroughness.
  • Organizational Support – Follows policies and procedures.
  • Judgment – Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; makes timely decisions.
  • Professionalism – Reacts well under pressure; accepts responsibility for own actions; follows through on commitments.
  • Quantity – Meets productivity standards; completes work in a timely manner, works quickly.
  • Possesses combination of education and experience to perform primary duties of position.
  • Adaptable to system, process, product and service changes.
  • Effective and efficient planning, organizational, technological and time management skills.
  • Ability to demonstrate organizational commitment through advocacy in the community, customer experience and co-worker relationships.
  • Ability to reason, problem solve and think critically.
  • Ability to effectively convey thoughts, ideas and information clearly and concisely.
  • Possesses strong understanding of financial services.
  • Demonstrates high level of integrity, personal diplomacy and ability to foster culture of mutual respect.
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