Credit Analysis Lead — Mentorship & Underwriting Expert

Merchants Bank; Winona (MN); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) and ESOP retirement plans

Tuition reimbursement

Paid time off

Bonus plan

Job summary

Merchants Bank seeks an experienced senior Credit Manager to lead training around analyzing moderate to complex financial statements and tax returns accompanying loan requests.

You will supervise Credit Analyst II and III across Commercial, Agricultural, SBA, ARC, and Non-Profit lending groups, drive pipeline, and coordinate with Credit personnel, Loan Officers, and Lending Assistants to ensure policy adherence and timely underwriting.

Qualifications

• 7–10 years of lending, underwriting, accounting, or trend analysis experience.
• Prefer BS/BA in Accounting or Finance.
• Strong verbal and written communication, able to meet aggressive deadlines.

Responsibilities

• Train staff in analyzing moderate to complex financial statements and tax returns accompanying loan requests.
• Serve as subject matter expert in financial statement spreading and data analysis of key ratios and trends.
• Supervise Credit Analyst II and III teams across Commercial, Agricultural, SBA, ARC, and Non-Profit lending relationships.
• Collaborate with Credit personnel, Loan Officers, and Lending Assistants; ensure adherence to loan policies.

Skills

Verbal communication

Written communication

Financial analysis

Trend analysis

Underwriting

Education

BS/BA in Accounting or Finance

Job description

Merchants Bank seeks an experienced senior Credit Manager to lead training around analyzing moderate to complex financial statements and tax returns accompanying loan requests.

You will supervise Credit Analyst II and III across Commercial, Agricultural, SBA, ARC, and Non-Profit lending groups, drive pipeline, and coordinate with Credit personnel, Loan Officers, and Lending Assistants to ensure policy adherence and timely underwriting.