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Credit Analyst II

4 months 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

  • Prepares credit memos for new or renewing loan requests that will be presented for loan decision. Has a thorough understanding and is able to accurately communicate the following aspects of the credit memos:
    • Financial statement analysis including trend, ratios, margins, sensitivity, and pro forma.
    • Cash flow analysis including traditional and UCA.
    • Collateral analysis including BBC review, real estate appraisals, equipment appraisals, contracts, and purchase agreements.
    • Guarantor analysis including cash flow, personal financial statement, and credit report.
    • Risk rating
  • Prepares credit memos for equipment lease transactions that will be presented for loan decision. Has a thorough understanding of financial analysis, industry knowledge, and equipment valuation on contracts greater than $350,000.
  • Makes recommendations for loan structure and appropriate covenants.
  • Meets with and interview customers to develop a thorough understanding of the loan request and the business relationship.
  • Uses knowledge of the loan policy to detect deviations, exceptions, and variances on loan proposals. Ensures that all credit requests are properly approved or exceptions documented based on loan policy standards.
  • Completes quarterly loan improvement plans on the bank's risk rated customer.
  • Completes annual reviews, risk rating changes, and other file comments to preserve the credit integrity of the loan portfolio.
  • Tests borrowers' financial indicator covenants for compliance with loan documents.
  • Prepares various loan reports as directed from Credit Leadership.
  • Develop knowledge on SBA loan products along with policy and procedures.
  • Attends general credit analysis training provided by Credit Manager as well as RMA or MBA classes.
  • Complies with responsibilities as they relate to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). This includes participating in any required training and promptly complying with all reporting requirements.
  • The position may require travel to various Choice Bank offices.
  • Performs duties outside normal scope as assigned.
  • Other duties and special projects as assigned.
Requirements
  • Bachelor's degree in Accounting, Finance, or related field
  • 3-5 years of experience as a Commercial Credit Analyst
  • Previous equipment lease underwriting experience
  • Outstanding communication skills; including oral and written
  • Exhibits a record of time management abilities
  • Demonstrates a desire to learn new skills


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)