Commercial Credit Analyst

4 days ago

Hastings, Minnesota, United States First National_Fulda Full time
About the Role

The Credit Analyst plays a crucial role in making data-driven recommendations through research and analysis of customer financial documents. This position is responsible for analyzing financial data to assess the likelihood of a borrower honoring their financial obligations on behalf of the bank.

This role can be located in Hastings, MN, or Plymouth, MN. It is not a remote position.

Key Responsibilities
  • Conducts in-depth financial analysis of loan applications, including financial statements, tax returns, cash flow projections, and credit reports.
  • Evaluates the creditworthiness of prospective borrowers based on financial data, industry trends, and economic conditions.
  • Prepares comprehensive credit presentations outlining the recommended credit structure, terms, and conditions.
  • Monitors the credit risk of the existing portfolio by reviewing financial statements and conducting regular portfolio reviews.
  • Works closely with the loan officer to ensure timely and accurate credit decisions are made.
  • Adheres to all company credit policies and guidelines established by the bank.
  • Other duties as assigned.
Requirements
  • Bachelor's degree in Finance, Accounting, or a related field is required.
  • 2+ years of experience in credit analysis or lending is preferred.
  • Experience with Moody's Analytics or similar software is strongly preferred.
What We Offer
  • A competitive hourly wage range of $33.00/hour, depending on relevant experience.
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Paid Vacation, Sick, and Holiday time
  • A competitive 6% 401k match
  • And more

Candidates must pass a pre-employment screening, including a credit history and criminal record check.

First National_Fulda provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

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