Senior Credit Analyst - Capital Finance

bellbank; BLOOMINGTON (MN); On-site; USD 95,000 - 135,000; Full time

Job summary

Bell Bank seeks a Senior Credit Analyst in Capital Finance to lead advanced credit analysis, transaction structuring, and portfolio risk management for capital finance exposures.

You will influence deal structuring, assess collateral and consolidation risks, and prepare high-quality presentations for loan committees. Strong Excel and spreading platform skills are essential.

Qualifications

• Bachelor's Degree in finance, accounting, or a business-related field or equivalent amount of experience.

Responsibilities

• Lead financial analysis including cash flow modeling, leverage, liquidity, and capital structure evaluation for complex borrowers and transactions.
• Develop clear credit recommendations with identified risks, mitigants, and rationale for approval.
• 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.
• 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.
• 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.

Skills

Financial analysis

Cash flow modeling

Credit underwriting

Risk assessment

Portfolio monitoring

Communication

Excel proficiency

Education

Bachelor's Degree in finance, accounting, or business-related field

Tools

Excel

Credit spreading platforms

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.