Commercial Credit Analyst – Lending & Risk

Bankwithchoice; Minneapolis (MN); Hybrid; USD 70,000 - 95,000; Full time

Job summary

Choice Bank is seeking a Credit Analyst to support its commercial and agricultural lending teams. The role involves gathering and analyzing financial data, preparing memos, and supporting sound lending decisions.

Travel to support business needs is required. The position emphasizes understanding credit culture, underwriting standards, and ongoing monitoring of covenants and performance.

Qualifications

• Bachelor’s degree in Accounting, Finance, or a related field.
• 1–5+ years of experience as a Commercial Credit Analyst.

Responsibilities

• Underwrite relationships with exposure from $750,000 to $10,000,000, depending on experience.
• Review financial statements including tax returns, balance sheets, P&L, agings, and other documents.
• Prepare credit memos with analysis, charts, and supporting data.
• Meet with customers to understand loan requests and business relationships.
• Monitor borrower financial covenants and loan documents.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Underwriting

MS Office

Education

Bachelor’s degree in Accounting/Finance

Tools

Excel

Word

PowerPoint

Job description

Choice Bank is seeking a Credit Analyst to support its commercial and agricultural lending teams. The role involves gathering and analyzing financial data, preparing memos, and supporting sound lending decisions.

Travel to support business needs is required. The position emphasizes understanding credit culture, underwriting standards, and ongoing monitoring of covenants and performance.