Credit Analyst, Multiple Levels

Jobtailor

Minnesota

On-site

USD 70,000 - 110,000

Full time

14 days+

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Job summary

Jobtailor in Minnesota is seeking a Credit Analyst to evaluate creditworthiness of business banking clients, approve extensions, and support lending decisions.

Ideal candidates have strong analytical skills, experience in credit analysis, and knowledge of credit policy; CPA or Master’s preferred, with financial statement and cash flow analysis expertise.

Qualifications

Bachelor’s degree or equivalent work experience.
Typically four or more years of relevant experience for Credit Analyst 4.
Typically five or more years of relevant experience for Credit Analyst 5.
Strong credit analysis and analytical skills.
Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
Background in economics, accounting, and/or finance.
Effective technical report writing skills.
Effective verbal and written communication skills.
Proficient computer navigation skills using a variety of software packages.
Master's degree or CPA certification is preferred.

Responsibilities

Approving the extension of credit and/or making recommendations for lending decisions
Conducting a complete credit analysis on business banking clients
Evaluating financial statements, cash flow, collateral, industry trends, and repayment capacity
Identifying, evaluating, and determining the course of action on credit quality issues
Supporting relationship managers and business banking partners
Using technological tools to assist in credit analysis

Skills

Credit Analysis

Risk Analysis

Financial Statement Evaluation

Credit Administration

Credit Policy Knowledge

Analytical Skills

Cash Flow Analysis

Collateral Assessment

Repayment Capacity Evaluation

Industry Trend Analysis

Education

Bachelor's degree

Master's Degree

CPA Certification

Tools

Credit Analysis Software

Financial Analysis Tools

Job description

Approving the extension of credit and/or making recommendations for lending decisions
Conducting a complete credit analysis on business banking clients
Evaluating financial statements, cash flow, collateral, industry trends, and repayment capacity
Identifying, evaluating, and determining the course of action on credit quality issues
Supporting relationship managers and business banking partners
Using technological tools to assist in credit analysis

Requirements

Bachelor’s degree, or equivalent work experience
Typically four or more years of relevant experience for Credit Analyst 4
Typically five or more years of relevant experience for Credit Analyst 5
Strong credit analysis and analytical skills
Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
Background in economics, accounting, and/or finance
Effective technical report writing skills
Effective verbal and written communication skills
Proficient computer navigation skills using a variety of software packages
Master's degree or CPA certification is preferred

Core Competencies

Demonstrates expertise in credit analysis, including evaluating financial statements and assessing credit quality issues. Proficient in technical report writing and effective communication to support business banking operations.

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