Senior Credit Analyst

Mitsubishi HC Capital America Inc; Edina (MN); Hybrid; USD 98,500 - 115,000; Full time

Job summary

Mitsubishi HC Capital America Inc in Edina, MN is seeking a Senior Credit Analyst to review and process new credit applications, perform in-depth financial analysis, and recommend terms within the single signature authority.

The role covers transactions from $1.0M to $5.0M, requires adherence to MHCA underwriting guidelines and SOX controls, and may require evening hours. Itasca, Norwalk, or Edina offices offer a hybrid work arrangement with travel up to 10%.

Qualifications

• BS/BA in Business or Finance or equivalent experience.
• Minimum eight years related experience with a comparable financial institution with prior single signature approval authority.
• Evening work and overtime may be required.

Responsibilities

• Performs in-depth credit analysis and financial evaluation of new business transactions within designated single signature authority.
• Prepares detailed credit write-ups of credit transactions and recommends actions to Senior Management for transactions exceeding single signature authority.
• Interacts with Operations/Legal to ensure documents reflect approved commitments and sign-offs.
• Provides training support to the application team as needed by workflow requirements.

Skills

Analytical ability

Financial analysis

Credit underwriting

Decision making

Communication

Education

BS/BA in Business or Finance

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Senior Credit Analyst

Regular Full-Time Full Time Edina, MN, US

6 days ago Requisition ID: 1588

Salary Range: $98,500.00 To $115,000.00 Annually

This position will be located in either our Itasca, Norwalk or Edina office in a hybrid capacity.

Position Overview

Reviews and processes new credit transaction applications to make decisions within the single signature authority granted and in compliance with Mitsubishi HC Capital America, Inc. (MHCA) credit policy focusing on full financial disclosure transactions with exposures between $1.0M - $5.0M USD. Recommends approval terms to senior credit management when more than single signature authority. Performs other hands‑on administrative functions relating to documentation, funding, and collateral valuations. Assists in training and indoctrination of new credit staff hires focusing on departmental workflows and MHCA underwriting guidelines.

Commitment to Internal Control:

This position requires a comprehensive understanding of and adhere to the system of internal controls associated with the fundamental duties and responsibilities of the role. This includes compliance with SOX and all other pertinent regulatory and compliance policies and requirements.

Essential Duties and Responsibilities:

• Performs in-depth credit analysis and financial evaluation of new business transactions within designated single signature authority on a timely basis
• Prepares detailed credit write‑ups of credit transactions in accordance with MHCA underwriting criteria and makes appropriate recommendations to Senior Management regarding transactions exceeding single signature authority
• Experience in underwriting healthcare, IT, or franchise lending industries is not required but is a plus
• Ability to review, understand, and communicate financial statements and utilize the data to risk rate transaction within their authority or communicate and present the recommendation to the approving authority in a timely manner to support MHCA field marketing force, dealers, and manufacturers
• Interact with Operations/Legal teams to assure that the documents reflect the actual approval and commitment stipulated in their sign‑off of the credit transaction
• Provide assistance to the application only team where required by total overall application workflow

Key Performance Indicators:

• Complete financial statement spreads and analysis, along with the Credit Memo, on credits with total exposure of $1,000,000 to $5,000,000

Responsibility and Decision‑Making Authority:

• Act independently; Decision making within Company policy
• Single Signature Credit Authority will be assigned based on experience level

Management/Supervisory Responsibilities:

• N/A

Qualifications

Knowledge, Skills, and Abilities:

• Thinking Skills
• Analytical Ability
• Ability to Synthesize
• Problem‑solving
• Decision‑making/judgement
• Communications
• Interpersonal Relationships
• Interpersonal Communication
• Ability to work in a team
• Technical and Professional – Thoroughness
• Personal Qualities – Self‑motivated

Education and Experience:

• BS/BA Degree in Business or Finance or equivalent experience
• Minimum eight years related experience with a comparable financial institution with prior single signature approval authority within a risk finance investment environment. Eight to ten years preferred.

Working Hours:

• Hours may vary and will require evening work depending on business needs and will require working overtime.

Travel:

• 10% annual estimated. Customer visits or conferences/seminars

Physical Demands:

• Digital dexterity and hand/eye coordination in operation of office equipment
• Light lifting and carrying of supplies, files, etc.
• Ability to speak to and hear customers and/or other employees via phone or in person
• Body motor skills sufficient to enable incumbent to move from one office location to another. The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change.

The position is exempt and the salary will be between $98,500 - $115,000 with an opportunity to earn a discretionary annual bonus.

The salary range is determined and based on internal equity, market data/ranges, applicant's skills, prior relevant experience and education.