Senior Credit Analyst

Davita Inc.; Saint Cloud (MN); On-site; USD 74,000 - 98,000; Full time

Job summary

A leading community bank in Minnesota is seeking a Credit Analyst to evaluate credit risk and support loan underwriting processes. The role requires a strong background in finance or accounting, with responsibilities including analyzing financial statements and developing relationships with clients. Candidates must have a positive attitude, strong analytical skills, and a commitment to teamwork.

Benefits

Comprehensive Medical, Vision and Dental Insurance

401(k) with Employer Match

Paid Holidays and Vacation Days

Paid Parental Leave

Short- and Long-Term Disability

Tuition Reimbursement

Employee Assistance Program

Paid Time Off for volunteering

Qualifications

• Minimum 2 years of experience in ag or commercial credit analysis.
• Strong analytical skills with a focus on credit evaluation.
• Willingness to learn and be a positive team member.

Responsibilities

• Evaluate credit risk on ag and commercial credit relationships.
• Conduct initial underwriting and ongoing monitoring of credits.
• Prepare detailed written reports assessing overall financial condition.

Skills

Accounting

Finance

Math

Statistics

Computer skills

Research skills

Grammar

Writing skills

Verbal communication

Education

Undergraduate degree in finance, accounting, or related field

Job description

About Minnwest: Minnwest is a family owned, community bank based in Minnesota and South Dakota. We believe our success is measured by the extent in which we have a positive impact on the communities we serve. We are committed to building strong, vibrant communities through our core values:

• The customer is the first priority.


• We will keep all of the commitments we make.


• We are the people who get things done.


• We will work together as a team.

Location: St. Cloud (preferred) will consider applications for our Sioux Falls, Eagan, Minnetonka, Farmington, and New Prague locations.



Job Summary: This senior level position is responsible for completing ag and/or commercial credit related activities on relationships of all sizes and complexity in order to evaluate credit risk for Minnwest Bank and affiliates. No lending authority is expected.

Duties and Responsibilities (including but not limited to):

• Fulfill the expectations of a Credit Analyst described within the Ag or Commercial Credit Analyst Career Path documents. The expectations of the position will be presented through a detailed orientation and training program to ensure and re-enforce credit skills, teach Minnwest prescribed techniques and to assist in learning Minnwest Bank's credit culture.


• Responsible for mastering ag and/or commercial credit tax returns and financial statements spreading software and completing according to Minnwest Bank's prescribed requirements; Minnwest Bank's credit policies and procedures, appropriate underwriting guidelines, and prescribed analysis techniques and applying this knowledge in the review, analysis, and structuring of credits


• Complete initial underwriting for credit relationships of all sizes and complexity with focus on new, large, complex, and/or niche loan requests; also, complete ongoing monitoring and servicing of existing credits. This is completed with detailed written reports that identify, evaluate, and mitigate repayment risks by succinctly describing and evaluating the: overall relationship with Minnwest Bank; business, individual, and global financial condition and performance; collateral quality and coverage; business and economic trends that impact borrowers; and by providing other relevant information for use in the credit review and decision process. This senior level position will provide a more meaningful and comprehensive analysis comparative to the Credit Analyst position.


• Consistently complete work product with quality, accuracy, critical and strategic thinking, limited material revisions, and within acceptable timeframes while meeting deadlines.


• Develop positive working relationships with Minnwest Bank staff and borrowers and ensure responsive and timely actions when responding to requests and/or assignments. Interpret information needed to evaluate credit risk. Able to recommend loan structure, re-structure, and/or denial to bankers based on preliminary document review.

Minimum Requirements:

• Undergraduate degree in finance, accounting, or related field


• Previous ag or commercial credit analyst work experience (2+ years)


• Accounting, finance, math, statistics, computer and research skills


• Grammar, writing and verbal communication skills


• Willingness and motivation to learn the job and be trained/coached


• Positive attitude with team-oriented mentality

Preferred Qualifications:

• Superior accounting, finance, math, statistics, computer, and research


• Superior grammar, writing, and verbal communication


• Critical and strategic thinking


• Superior credit file documentation and knowledge


• Superior time management skills


• Ability to grasp and implement new concepts quickly


• Ability to recognize and act on problems


• Ability to work independently with limited guidance

Schedule: Monday - Friday: 8:00 a.m. - 5:00 p.m.

Workplace Environment:

• Requires face-to-face interaction and coordination of work with other employees and departments, and in-person interaction.


• Working at a computer and utilizing a telephone


• Occasionally lifting up to 50lbs

Salary Range: $74,800 - $98,000 annually

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. The salary range represents anticipated base pay for this role. The actual pay offered will consider internal equity and may vary based on factors including but not limited to work location, candidate's job-related knowledge, skills, and experience, among other factors.

Minnwest Benefits: In addition to salary, Minnwest Bank offers a comprehensive benefits package, including incentive and recognition programs. Minnwest Bank is focused on taking care of our employees and their families, and supporting their health and financial well-being, including:

• Comprehensive Medical, Vision and Dental Insurance


• Retirement savings including 401(k) with Employer Match and Employee Stock Ownership Plan (ESOP)


• Paid Holidays and Competitive Paid Vacation Days


• Paid Parental Leave


• Short- and Long-Term Disability


• Life, Critical Illness, and Accidental Insurance


• Tuition Reimbursement and Career Development Opportunities


• Employee Assistance Program (EAP)


• Paid Time Off to volunteer in your community


• Opportunities to connect with others through our diversity and inclusion focused Employee Resource Group

All benefits are subject to eligibility requirements.

A full background check, including federal, state, county, and civil, and general financial credit check will be conducted on the final candidate for this position. Candidate must pass the background check and financial credit check in order to obtain employment with Minnwest. Failure to meet any of the requirements may result in a rescission or your offer of employment.

EEO: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.