Capital Finance Credit Analyst: Analyze & Structure

bellbank; BLOOMINGTON (MN); On-site; USD 80,000 - 110,000; Full time

Job summary

Bell Bank is seeking a Credit Analyst – Capital Finance to evaluate, structure, and monitor capital finance exposures. You will analyze financial statements, assess collateral, and support risk-adjusted returns through underwriting and risk assessment.

The role emphasizes disciplined capital deployment, collaboration with relationship managers, and adherence to bank policies and regulatory requirements.

Qualifications

• Bachelor’s degree in finance, accounting, or business-related field.
• 2–4 years of experience in commercial credit analysis or related banking roles.
• Strong analytical and financial statement analysis skills.
• Proficient with advanced spreadsheet functions and data analysis.

Responsibilities

• Evaluate borrower creditworthiness through detailed analysis of financial statements, cash flow, liquidity, leverage, and capital structure.
• Assess transaction structure, including debt capacity and repayment sources.
• Analyze sponsor strength, industry dynamics, and enterprise valuation where applicable.
• Prepare credit memoranda with clear risk identification, mitigants, and recommendation.
• Support credit approval process and documentation requirements in coordination with legal and credit risk teams.
• Assist in structuring of complex capital finance transactions.
• Monitor existing portfolio exposures for compliance with credit terms and performance expectations.
• Identify emerging risks and recommend risk mitigation strategies or credit actions.
• Provide insights to inform credit strategy, portfolio trends, and capital allocation decisions.

Skills

Spreadsheet proficiency

Analytical mindset

Communication skills

Financial statement literacy

Attention to deadlines

Banking software proficiency

Education

Bachelor’s degree in finance, accounting, or business-related field

Tools

Proprietary banking software

Job description

Bell Bank is seeking a Credit Analyst – Capital Finance to evaluate, structure, and monitor capital finance exposures. You will analyze financial statements, assess collateral, and support risk-adjusted returns through underwriting and risk assessment.

The role emphasizes disciplined capital deployment, collaboration with relationship managers, and adherence to bank policies and regulatory requirements.