COMMERCIAL CREDIT ANALYST (ONSITE)

BankVista; Sartell (MN); Hybrid; USD 59,000 - 72,000; Full time

Benefits offered by this job

Health insurance

Dental & Vision insurance

Life Insurance (Employer Paid)

Disability Insurance

401(k) with employer match

Job summary

BankVista is seeking an experienced Commercial Credit Analyst in Minnesota. This hybrid role requires a minimum of two in-office days per week after training, with a competitive salary and benefits package.

You will prepare credit presentations, analyze borrower financial data, and support loan risk assessments, underwriting, and annual due diligence. A four-year degree in Business/Finance and 3–5 years underwriting experience are preferred.

Qualifications

• 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.

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.

Skills

Credit analysis

Financial analysis

Underwriting

Credit risk assessment

Education

Four-year degree in Business/Finance

Job description

This position is eligible for a **hybrid schedule with a minimum of 2 days in office per week, following a training period.**

BankVista is seeking an experienced Commercial Credit Analyst. 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,

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.

Expected Salary: Starting at $65,000+ 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. If you are interested in joining a growing company and working within a fun and exciting environment,

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.

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.