Commercial Credit Analyst I & II — Underwrite & Analyze Risk

Tri Counties Bank; Roseville (MN); On-site; USD 43,000 - 59,000; Full time

Job summary

Tri Counties Bank in the United States is seeking a Credit Analyst to participate in credit analysis of commercial credits, including statement spreading, tax return analysis, and covenant management. The role supports underwriting, reports on findings to Commercial Underwriters, and prepares disclosures for loan submissions.

The position requires strong analytical skills, two years of underwriting experience, and proficiency with MS Office.

Qualifications

• High school diploma or GED required.
• Undergraduate degree in Finance, Business Administration or Accounting preferred.
• Commercial Credit Analyst II requires two years of underwriting or related financial experience.
• Knowledge of financial accounting theory and analysis methods.
• Basic knowledge of financial analysis practices and applications.
• Excellent organizational skills and efficiency with high-volume work.
• Proficient with Windows and Microsoft Office, especially Word and Excel.
• Strong verbal and written communication abilities.

Responsibilities

• Input historical financial information to show trends and evaluate repayment risk.
• Analyze industry, management, and economic factors affecting credit quality.
• Work in a deadline-driven environment and manage documentation.
• Order business and personal credit reports on principals.
• Maintain covenant management for assigned region.
• Monitor maturing lines and coordinate renewal information.
• Comment on past due loans and coordinate actions with staff and customers.
• Assist in preparing Annual Credit Reviews and Problem Loan Reports.
• Evaluate loan applications and discuss options with Relationship Managers.
• Coordinate with appraisal and escrow for secured loans.
• Provide support to Relationship Managers and Credit Administration.

Skills

Verbal and written communication

Organizational skills

MS Office proficiency

Education

High school diploma or GED

Undergraduate degree in Finance, Business Administration or Accounting

Two years of underwriting or related financial experience

Tools

Microsoft Word

Microsoft Excel

Windows operating system

Job description

Tri Counties Bank in the United States is seeking a Credit Analyst to participate in credit analysis of commercial credits, including statement spreading, tax return analysis, and covenant management. The role supports underwriting, reports on findings to Commercial Underwriters, and prepares disclosures for loan submissions.

The position requires strong analytical skills, two years of underwriting experience, and proficiency with MS Office.