Credit Analyst Lead

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

Primary duties include training other staff members around analyzing moderate to complex financial statements and tax returns accompanying a loan request. Responsibilities include serving as a subject matter expert and training others around financial statement spreading, data analysis highlighting borrowing entity key ratios and financial trends, as well as efficiently preparing the final loan request presentation. Other main responsibilities include collaboratively working with Credit personnel, Loan officers, and Lending Assistants, developing a sound understanding and adherence of the bank's loan policies/procedures, as well as serving as a mentor to others within Credit Administration.

Will directly supervise the Credit Analyst II and III teams that support Commercial, Agricultural, SBA, ARC, and Non-Profit borrowing relationships. This role will also oversee the Credit Analyst pipeline and communicate effectively with all stakeholders relative to the requirements of underwriting and analysis.

7-10 years experience in lending, underwriting, accounting, or trend analysis required with additional background in either a Commercial or Agriculture lending environment preferred. Prefer A BS/BA Degree, preferably in Accounting or Finance preferred. Must have strong verbal and written communication skills, a positive and helpful attitude and be able to work to meet aggressive deadlines.

Merchants Bank offers competitive wages and benefits for our full-time employees including health, dental, life, disability and vision insurance; flexible spending accounts, 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options.

Questions can be emailed to [e-mail].

Merchants Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.