Credit Analyst - Capital Finance

bellbank; BLOOMINGTON (MN); On-site; USD 80,000 - 110,000; Full time

Job summary

Bell Bank is seeking a Credit Analyst – Capital Finance to evaluate, structure, and monitor capital finance exposures. You will analyze financial statements, assess collateral, and support risk-adjusted returns through underwriting and risk assessment.

The role emphasizes disciplined capital deployment, collaboration with relationship managers, and adherence to bank policies and regulatory requirements.

Qualifications

• Bachelor’s degree in finance, accounting, or business-related field.
• 2–4 years of experience in commercial credit analysis or related banking roles.
• Strong analytical and financial statement analysis skills.
• Proficient with advanced spreadsheet functions and data analysis.

Responsibilities

• Evaluate borrower creditworthiness through detailed analysis of financial statements, cash flow, liquidity, leverage, and capital structure.
• Assess transaction structure, including debt capacity and repayment sources.
• Analyze sponsor strength, industry dynamics, and enterprise valuation where applicable.
• Prepare credit memoranda with clear risk identification, mitigants, and recommendation.
• Support credit approval process and documentation requirements in coordination with legal and credit risk teams.
• Assist in structuring of complex capital finance transactions.
• Monitor existing portfolio exposures for compliance with credit terms and performance expectations.
• Identify emerging risks and recommend risk mitigation strategies or credit actions.
• Provide insights to inform credit strategy, portfolio trends, and capital allocation decisions.

Skills

Spreadsheet proficiency

Analytical mindset

Communication skills

Financial statement literacy

Attention to deadlines

Banking software proficiency

Education

Bachelor’s degree in finance, accounting, or business-related field

Tools

Proprietary banking software

Job description

The Credit Analyst – Capital Finance is responsible for evaluating, structuring, and monitoring credit exposures related to capital finance transactions. This role supports disciplined capital deployment through rigorous financial analysis, collateral evaluation, and risk assessment, ensuring alignment with the Bank’s credit policy, risk appetite, and return objectives.

Responsibilities

Credit Analysis & Underwriting

• Evaluate borrower creditworthiness through detailed analysis of financial statements, cash flow, liquidity, leverage, and capital structure.
• Assess transaction structure, including debt capacity and repayment sources.
• Analyze sponsor strength, industry dynamics, and enterprise valuation where applicable.
• Prepare credit memoranda with clear risk identification, mitigants, and recommendation.
• Support credit approval process and documentation requirements in coordination with legal and credit risk teams.

Capital Finance Structuring

• Support structuring of complex capital finance transactions.
• Assess collateral quality, advance rates, borrowing base mechanics, and eligibility criteria.
• Partner with relationship managers and deal teams to optimize risk-adjusted returns.
• Participate in transaction due diligence, including review of third-party reports, appraisals, and field exams.

Portfolio Monitoring & Risk Management

• Monitor existing portfolio exposures for compliance with credit terms and performance expectations.
• Perform ongoing financial analysis and collateral monitoring.
• Identify emerging risks and recommend risk mitigation strategies or credit actions.
• Provide insights to inform credit strategy, portfolio trends, and capital allocation decisions.

Bell Bank Culture, Policy and Accountability Standards

• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations

• Bachelor’s degree in finance, accounting, or a business-related field; or equivalent amount of experience.
• 2 – 4 years of experience in commercial credit analysis, commercial lending, or bank examination.

Skills and Knowledge

• Advanced spreadsheet skills, including comfort with financial formulas, data sorting, and formatting.
• Exceptional organizational skills with a proven ability to prioritize tasks, manage workload independently, and consistently hit strict project deadlines.
• Above-average written and verbal communication skills, with the ability to clearly articulate financial findings to senior staff and Portfolio Officers.
• Solid foundational knowledge of financial accounting, with the ability to read and understand financial statements (Income Statement, Balance Sheet, Cash Flow).
• Strong analytical mindset with the capability to accurately spread financial statements and monitor client performance trends through monthly financials.
• High proficiency with modern computer technology and a quick learning curve for proprietary banking software and systems.