Commercial Credit Analyst

BankVista is Powered by People, and we are looking to add to our successful team! BankVista is committed to delivering unsurpassed personal service and financial solutions to our clients, while prioritizing our employee’s well-being at work and future success with the company. A career at BankVista offers the opportunity to learn, develop, and grow with us.

COMMERCIAL CREDIT ANALYST – WAITE PARK, MN

The Commercial Credit Analyst conducts thorough analysis of financial statement and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence. The incumbent will prepare loan write-ups for lenders and/or loan committee, while assisting to ensure that loan risk rating and credit quality standards are adhered to.

Primary Responsibilities

• Spread and analyze complex business financial statements of existing and prospective clients to evaluate the risk associated in extending credit.
• Investigate and gather information about clients.
• Complete clear, detailed credit write-ups that summarize borrower’s complex financial condition and evaluate repayment capacity and collateral coverage. Makes recommendations, tied to analysis, to loan officers and/or loan committee.
• Independently complete the underwriting function and the recommendation of the credit risk rating of existing and prospective clients with little or no oversight.
• Confer with loan officers and other bank staff about existing and prospective clients.
• Support the achievement of organizational and individual team member success through the timely completion of various reports and projects, mentorship of less tenured Credit Analysts and/or lenders, and willingness to effect and adapt to change.

Essential Qualifications and Requirements:

• A four-year degree in Business, Finance, or related field; or equivalent combination of education, training, and experience.
• A minimum of 2 years commercial credit underwriting experience.
• This is a hybrid position. Ability to commute to office is required.

BankVista offers a competitive wage and employee benefits package including health, dental and vision insurance, employer paid Life Insurance and Disability, and a 401(k) Plan with employer match. If you are interested in joining a growing company and working within a fun and exciting environment, please apply now.

“BankVista is committed to providing an environment that is free from discrimination and harassment based on race, age, creed, color, religion, national origin or ancestry, sex, gender, disability, veteran status, genetic information, sexual orientation, gender identity or expression, or pregnancy and will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. BankVista is an equal opportunity/equal access/affirmative action employer fully committed to achieving a diverse workforce and complies with all Federal and Minnesota State laws, regulations, and executive orders regarding non-discrimination and affirmative action.”