Credit Analyst II: Impactful Lending & ESOP Benefits

RiseMe; Marshall (MN); On-site; USD 60,000 - 95,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

Basic Life/AD&D/LTD

Voluntary Life/AD&D

Paid Time Off

Paid Holidays

401(k) with Employer Match

ESOP

Job summary

First Independent Bank is seeking a Credit Analyst II to support sound lending decisions and partner with lenders and customers. You will analyze financial information, prepare credit presentations, and assist with annual loan reviews to ensure accurate risk assessment.

Ideal candidates have 2–5 years of credit analysis experience, a degree in finance or accounting, and strong Excel skills. The role emphasizes quality client service and teamwork in a community-focused bank.

Qualifications

• Minimum 2-5 years of experience in a credit analyst, portfolio management, or similar banking position.
• Associate's Degree (AA) or Bachelor's Degree in Finance, Accounting, or a related field preferred; equivalent experience will be considered.
• Basic understanding of tax returns required; strong knowledge and interpretation of tax returns preferred.
• High school diploma or equivalent required.

Responsibilities

• Enter financial statements into financial analysis software and maintain knowledge of FINPACK, Suntell, and Excel.
• Analyze complex financial information for Agricultural and Commercial loan requests generally ranging from $500M to $14MM.
• Assist with risk assessment by conducting thorough credit analysis in accordance with bank standards and industry guidelines.
• Regularly research macroeconomic and sector trends to evaluate borrower repayment capacity and inform underwriting decisions.
• Prepare credit approval analyses and internal evaluations for Ag Real Estate, Ag Machinery, Commercial Real Estate, and Consumer Real Estate.
• Provide ongoing credit management support through quarterly and annual reviews, evaluating customer financial performance and overall financial condition.
• Present findings and recommendations regarding a customer's creditworthiness.
• Participate in annual reviews to assign objective credit grades, evaluate loan documentation, identify credit concerns, ensure policy compliance, and prepare review reports.
• Provide training support to new credit analysts.
• Work alongside lenders on larger and more complex lending relationships.
• Meet with customers as needed to gather financial information and understand their business operations.

Skills

Analytical skills

Communication skills

Attention to detail

Microsoft Office

Independent worker

Education

Bachelor's degree in Finance/Accounting

AA degree in Finance/Accounting

Tools

FINPACK

Suntell

Microsoft Excel

Job description

First Independent Bank is seeking a Credit Analyst II to support sound lending decisions and partner with lenders and customers. You will analyze financial information, prepare credit presentations, and assist with annual loan reviews to ensure accurate risk assessment.

Ideal candidates have 2–5 years of credit analysis experience, a degree in finance or accounting, and strong Excel skills. The role emphasizes quality client service and teamwork in a community-focused bank.