Senior Credit Analyst - Capital Finance

Bell; BLOOMINGTON (MN); On-site; USD 76,000 - 92,000; Full time

Benefits offered by this job

Health insurance

Employee stock ownership program

401(k) contribution and profit-sharing

Job summary

Bell Bank is seeking a Senior Credit Analyst – Capital Finance to drive complex credit analysis, structuring, and portfolio risk management for capital finance exposures. You will provide independent risk assessment and influence deal structuring to align with the bank's credit strategy.

Responsibilities include preparing memoranda, presenting to loan committees, and partnering with deal teams to optimize risk-adjusted returns while maintaining policy compliance.

Qualifications

• Bachelor’s degree in finance, accounting, or a business-related field.
• 4–6 years of commercial credit analysis experience.
• Strong written and verbal communication skills.

Responsibilities

• Lead comprehensive credit analysis, including cash flow modeling and leverage evaluation.
• Develop clear credit recommendations with risks and mitigants.
• Evaluate sponsor support, industry dynamics, and enterprise value.
• Prepare credit memoranda, loan presentations, and reviews for approvals.
• Guide loan presentations for the loan committee.

Skills

Credit analysis

Financial modeling

Loan documentation

Excel proficiency

Communication skills

Education

Bachelor's degree in finance

Tools

Credit spreading platforms

Excel

Job description

The Senior Credit Analyst – Capital Finance leads complex credit analysis, transaction structuring, and portfolio risk management for capital finance exposures. This role provides independent risk assessment and influences deal structuring to support disciplined capital deployment aligned with the Bank's credit strategy and risk appetite.

Responsibilities

• Credit Analysis & Underwriting
  • Lead comprehensive financial analysis, including cash flow modeling, leverage, liquidity, and capital structure evaluation for complex borrowers and transactions
  • Develop clear, well-supported credit recommendations, articulating key risks, mitigants, and approval rationale
  • Evaluate sponsor support, industry dynamics, and enterprise valuation where applicable
  • Guide preparation of credit memoranda, loan presentations, and credit reviews with decision-ready insights.
  • Prepare high quality loan presentations for the loan committee.
• Capital Finance Structuring
  • Partner with deal teams to structure capital finance transactions, including advance rates, borrowing base design, and covenant frameworks.
  • Assess collateral quality, liquidation profiles, and concentration risks to inform structure and pricing.
  • Influence transaction terms to optimize risk-adjusted returns while maintaining alignment with credit policy.
  • Provide subject matter expertise on asset-based and structured lending mechanics.
• Portfolio Monitoring & Risk Management
  • Oversee ongoing portfolio performance, including financial trend analysis, covenant compliance, and borrowing base activity.
  • Proactively identify emerging risks and drive recommended actions, including modifications, downgrades, or enhanced monitoring.
  • Evaluate collateral performance and eligibility to ensure integrity of borrowing base structures.
  • Support management of higher-risk or stressed credits, including development of action plans and risk mitigation strategies.

Bell Bank Culture, Policy and Accountability Standards

• Know and live Bell Bank’s values, bottom line, customer service standards, Golden Rules, and LOCBUTN by building personal connections with customers and employees and using their names as often as possible.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Code of Conduct, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations

• Bachelor’s Degree in finance, accounting, or a business-related field; or equivalent amount of experience.
• 4-6 years of experience in commercial credit analysis, commercial lending, or bank examination.

Knowledge, Skills, and Abilities

• Working knowledge of commercial loan documentation, including credit agreements, notes, and corporate organizational documents.
• Advanced working knowledge of commercial loan documentation, structural risk mitigation, and structural credit mechanics.
• Understanding of financial accounting principles and advanced three-statement financial modeling.
• Strong written, verbal, and interpersonal communication skills, with a proven ability to present complex credit narratives to loan committees and mentor junior staff.
• Above-average organizational and time management habits, with a demonstrated ability to independently manage a heavy workflow, balance competing deadlines, and drive projects to timely completion.
• High proficiency with spreadsheet software (Excel) and modern commercial banking/credit spreading platforms.

Company Information

If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.

Bell Bank was founded in 1966 and is headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $14 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune. If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.

Bell's Values:

• Promoting and sustaining our family atmosphere.
• Providing unequaled personal service to each and every customer.
• Paying it forward

Our Bottom Line:

Happy Employees! Happy Customers!

In addition to salary, Bell Bank offers a comprehensive benefits package including, healthcare, (medical, dental, vision) employee stock ownership program, and 401(k) contribution and profit‑sharing plan. All benefits are subject to eligibility requirements.

Pay Range: $75,600.00 - $92,200.00 / year

Equal Opportunity Employer

Pay Transparency

The posted salary range represents multiple regions; compensation for this position may vary depending on the geographic location of the position. For roles indicating a salary range of $31,200 ($15) to $150,000 ($72.12), this reflects a commission‑based position where actual earnings will fluctuate based on sales performance and client retention.