Credit Analyst II

3 weeks ago


Minneapolis, United States Choice Bank Full time

The Credit Analyst position are generally responsible for analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Choice team members are to promote and enhance the Choice brand; Provide the personal touch that exemplifies our Premier customer Experience; Maintain strict confidentiality when it comes to our customer's personal and financial information; Maintain a positive, productive, and enjoyable work environment compatible with our Vision and Core Values.

Responsibilities

  • Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk
  • Analyze financial data including but not limited to income growth, quality of management, and market share to determine expected profitability of loans
  • Input, build and generate financial ratios within software program to evaluate customer financial status
  • Prepare and present loan presentations including but not limited to credit analysis, summaries of loan requests, risk reports and recommended payment plans
  • Complete annual reviews on loan relationships in excess of $1MM per loan policy and recommend further analyses, risk rating modifications or collection action to loan officer
  • Assist with the accounting and file maintenance of branch loans and lease transactions.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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