Commercial Credit Analyst

BankVista; Waite Park (MN); Hybrid; USD 52,000 - 64,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life Insurance

Disability insurance

401(k) with employer match

Job summary

BankVista in Waite Park, MN is seeking an experienced Commercial Credit Analyst for a partially onsite role. You will analyze borrower financials, prepare credit presentations, and support loan risk rating decisions to help our community clients thrive.

The ideal candidate has a four-year degree in business or finance and 3–5 years of underwriting experience. BankVista offers competitive salary, benefits, and a commitment to professional growth.

Qualifications

• Four-year degree in Business, Finance, or related field.
• 3–5 years commercial credit underwriting experience preferred.

Responsibilities

• Prepare clear, detailed credit presentations summarizing borrower financial condition.
• Analyze financial statements, tax returns, and other docs to assess creditworthiness.
• Investigate and gather information about clients; support underwriting and risk rating decisions.
• Assist in timely completion of reports and projects and adapt to change.

Skills

Credit analysis

Financial statement analysis

Underwriting

Communication skills

Education

Bachelor's degree in Business/Finance

Job description

Job Description

BankVista is seeking an experienced Commercial Credit Analyst for a partially ONSITE role. Are you passionate about providing exceptional financial services and eager to make a meaningful impact in your community? BankVista is looking for dedicated and talented individuals to join our team. As a member of BankVista, you'll be part of a dynamic and supportive environment where innovation, collaboration, and professional growth are highly valued. We offer competitive benefits, opportunities for advancement, and a chance to be part of a company that truly cares about its employees and clients. If you're ready to take your career to the next level.

COMMERCIAL CREDIT ANALYST - Waite Park, MN

The Credit Analyst position conducts thorough financial analysis on clients focusing on their character, capacity, capital, collateral and conditions. This role involves preparing credit presentations for new requests, changed requests and annual due diligence. The Credit Analyst assists to ensure that loan risk rating and credit quality standards are adhered to.

Primary Responsibilities

• Complete clear, detailed credit presentations that summarize borrower’s financial condition. Makes recommendations tied to analysis to loan officers, loan committee, and/or credit management committee.
• Analyze financial statements, tax returns, and other financial documents to assess the creditworthiness of loan applicants and existing clients.
• Investigate and gather information about clients.
• Complete the underwriting function and the recommendation of the credit risk rating of existing and prospective clients. Seeks guidance from Supervisor and/or Credit Analyst II as needed.
• Support the achievement of organizational and individual team member success through the timely completion of various reports and projects and willingness to adapt to change.

Essential Qualifications and Requirements:

• Four-year degree in Business, Finance, or related field; or equivalent combination of education, training, and experience.
• Ideal candidate will have 3-5 years commercial credit underwriting experience.

Expected Salary: Starting at $58,000+ annually. Compensation will be commensurate with the selected candidate's qualifications, experience, and demonstrated abilities.

BankVista offers a competitive salary and employee benefits package including health, dental & vision insurance, employer paid Life Insurance and Disability, and a 401(k) Plan with employer match.

BankVista is committed to providing an environment that is free from discrimination and harassment based on race, age, creed, color, religion, national origin or ancestry, sex, gender, disability, veteran status, genetic information, sexual orientation, gender identity or expression, or pregnancy and 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. BankVista is an equal opportunity/equal access/affirmative action employer fully committed to achieving a diverse workforce and complies with all Federal and Minnesota State laws, regulations, and executive orders regarding non-discrimination and affirmative action.

Company Description

As a vital, independent community bank, BankVista gives financial strength and expertise to businesses and consumers throughout Minnesota and beyond.

In addition, our community focus is solid. Through financial support and the investment of volunteer hours by our employees to multiple organizations, BankVista continues to reach out in the community.

Company Description

As a vital, independent community bank, BankVista gives financial strength and expertise to businesses and consumers throughout Minnesota and beyond.
In addition, our community focus is solid. Through financial support and the investment of volunteer hours by our employees to multiple organizations, BankVista continues to reach out in the community.