Senior Commercial Credit Analyst - SBA/Real Estate Focus

Minnbankers; Saint Cloud (MN); On-site; USD 65,000 - 85,000; Full time

Benefits offered by this job

Health insurance

Retirement plan with employer contrib.

Paid time off

Paid holidays

Life and disability insurance

Bonus compensation

Job summary

Midwest Business Finance Corporation (MBFC) is seeking an experienced Commercial Credit Analyst to join our team in St. Cloud, Minnesota.

This full-time role focuses on underwriting loans, analyzing financial statements, and preparing comprehensive credit memoranda for SBA 504 and other lending programs. The position requires strong analytical skills, attention to detail, and the ability to manage multiple underwriting priorities while meeting deadlines.

Qualifications

• Bachelor's degree in finance, accounting, business, or related field; equivalent lending experience considered.
• Three+ years of commercial credit underwriting and financial analysis experience preferred.
• Strong knowledge of financial statements, cash-flow analysis and credit risk.

Responsibilities

• Review loan applications and supporting documentation for completeness and creditworthiness.
• Analyze business and personal financial statements, tax returns, projections and collateral.
• Prepare credit memoranda with proposed loan structure and risks.
• Review real estate appraisals, environmental reports, and related documentation.
• Coordinate with business development and loan staff to move requests through underwriting.

Skills

Credit underwriting

Financial analysis

Cash-flow analysis

Communication

MS Office

Education

Bachelor's degree

Equivalent lending experience

Tools

Excel

Word

Outlook

Job description

Midwest Business Finance Corporation (MBFC) is seeking an experienced Commercial Credit Analyst to join our team in St. Cloud, Minnesota.

This full-time role focuses on underwriting loans, analyzing financial statements, and preparing comprehensive credit memoranda for SBA 504 and other lending programs. The position requires strong analytical skills, attention to detail, and the ability to manage multiple underwriting priorities while meeting deadlines.