Credit analyst jobs in Fargo, ND

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ERP Analyst
Master Technology Group | MTG 4.0
Credit analyst job in Eden Prairie, MN
At Master Technology Group (MTG), a team of talented individuals are shaping the future of technology integration. We have created a community of great people who show an uncommon level of care for our clients, colleagues, and community. We're looking for excited and motivated individuals who are as excited to build this organization as we are. Isn't it time you were a part of something great? JOB SUMMARY Master Technology Group (MTG) specializes in designing, installing, and servicing commercial property technologies across local and national markets. The ERP Analyst will provide Enterprise Resource Planning (ERP) systems and operational support throughout the project life cycle. The ideal candidate will play a key role in the advanced customization, configuration, and maintenance of MTG's ERP systems. This position involves in-depth analysis and testing of ERP processes and reporting to ensure optimal performance and alignment with corporate goals. The ERP Analyst collaborates with senior team members and provides expertise in addressing complex ERP-related challenges. In addition, the ERP Analyst will periodically support the Operations team in executing technology-related projects for our clients. To succeed, the ERP Analyst must possess excellent customer service skills and maintain strong professional relationships with all stakeholders, including employees, clients, vendors, and partners. Strong communication, administrative skills, organizational and multi-tasking capabilities are vital. The position is a full-time, in-office role that reports to the Manager of IT and Business Transformation. KEY DUTIES AND RESPONSIBILITIES Lead in the customization and configuration of advanced ERP workflows Conduct in-depth analysis of ERP systems to identify areas for improvement and optimization Collaborate with senior team members and cross-functional teams to gather requirements, design process improvements, and implement ERP solutions Perform comprehensive testing of ERP workflows to ensure compliance with corporate needs and industry standards Provide support for end-users and troubleshoot ERP-related issues Stay abreast of emerging ERP technologies and contribute to the continuous improvement of ERP processes Gain a thorough understanding of MTG services and operational processes Tracking and reporting overall progress and milestone status to Coordinators and Project Managers as needed Develop and maintain positive relationships with clients, fellow employees, vendors, and local service providers Coordinate resources to support the project completion process and assist with post-install document/program creation Administrative responsibility to support systems utilization, including but not limited to managing security settings, user access, change requests, and overall system configuration Stay informed of and communicate updates and improvements to systems and operational processes Coordinate reporting needs, generate reporting, and conduct high-level data analysis to support leadership in data-driven decision-making Develop custom reports based on departmental and overall company goals Evaluate and optimize workflow and define best practices Other related duties as required or assigned QUALIFICATIONS 3+ years of experience in a business operations role, ideally with expertise in reporting and business process automation Familiarity with enterprise-level ERP solutions, CRM solutions, data visualization tools, and project management solutions Ability to translate raw data into meaningful metrics Demonstrated experience in project management, formal or informal Ability to own and solve problems independently and as part of a cross-functional team Considerable experience with Microsoft applications (Word, Excel, PowerPoint, 365, etc.) Excellent organization skills and a passion for process and business systems, as well as process improvement Effective communication skills, written, verbal and visual (example: process mapping/workflow) Proven ability to multitask in a fast-paced environment Excellent interpersonal skills with the ability to work with a variety of stakeholders PERFORMANCE MEASUREMENTS Demonstrates a clear understanding of the key duties and responsibilities of the position Shows enthusiasm and effort to perform all aspects of the role effectively Exhibits competence and capability to execute key duties and responsibilities efficiently Consistently meets expected standards of quality and customer satisfaction Completes assigned tasks promptly and adheres to project deadlines Always represents MTG in a professional manner, embodying the company's standards of conduct and appearance Demonstrates sound decision-making through practical analysis, effective problem-solving, and good judgment Maintains effective working relationships and collaborates well within a team environment Communicates clearly and professionally, both verbally and in writing, including emails, reports, and correspondence Demonstrates reliability through consistent attendance, punctuality, and timely completion of tasks Alignment with and demonstration of MTG's Core Values: People First: Demonstrates humility, helpfulness, and genuine care for others Above and Beyond: Exhibits a “whatever it takes” mindset, actively contributing beyond minimum expectations Sense of Urgency: Responds promptly and diligently to organizational and client needs Team Player: Demonstrates respect, support, and collaboration, sharing expertise generously Do the Right Thing: Operates with honesty, integrity, transparency, and strong ethical standards COMPENSATION AND BENEFITS Base Salary $72,000 - $85,000+ DOQ Phone Stipend Medical, Dental & Vision Insurance 401k Match PTO Nice Healthcare Life Insurance - Company-provided STD / LTD - Company-provided Employee Referral Bonus Development Opportunities Master Technology Group is proud to be an equal-opportunity employer. All aspects of employment, including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate based on race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local laws.
$72k-85k yearly 3d ago
Credit Specialist
Merchant & Gould Pc 4.4
Credit analyst job in Minneapolis, MN
You will be responsible for working with our clients, foreign and domestic, and our attorneys to ensure our invoices are paid on a timely basis. Responsibilities: Process monthly domestic and foreign statements of account Process systematic collection letters for those accounts that are PAST DUE Contact individual clients directly by phone and email to resolve and collect outstanding balances Work with clients and attorneys to resolve any discrepancies with our invoices Maintain electronic collection files 6. Miscellaneous accounting tasks as required Knowledge, Skills and Abilities Required: • Two years of credit/collection experience desired • Post-secondary education preferred • Experience in the Microsoft Office Suite • Strong attention to detail and problem solving skills • Ability to organize and prioritize numerous tasks and complete them under time constraints • Ability to work independently and with minimal supervision • Excellent written communication skills required • Interpersonal skills necessary in order to communicate with a diverse group of clients, attorneys, and staff in order to provide information with courtesy and tact.
$66k-95k yearly est. Auto-Apply 60d+ ago
Credit Analyst
Insulation Distributors
Credit analyst job in Chanhassen, MN
Compensation: $65,500 - $91,600 The Credit Analyst is responsible for managing all credit, collection, and accounts receivable reconciliation activities for a designated portfolio of customers. Responsibilities/Duties: Credit Management: Review incoming credit applications and provide recommendations to the Credit Management Team. Periodically evaluate customer financial conditions, including credit scores, sales field information, and payment trends, to assess financial position and credit risk. Review customer orders exceeding credit limits or past due triggers, taking appropriate action to release orders or re-establish creditworthiness. Identify customers needing increased credit limits to support business growth, perform credit reviews, and provide recommendations to the Credit Management Team. Collections: Build strong relationships with internal and external customers to maximize cash flow through efficient collections. Initiate timely collection activities, including phone calls, emails, and other communications, to address account delinquencies proactively. Work with past due customers and their sales representatives professionally, documenting discussions and agreements, and ensuring timely follow-up. Conduct collection activities in compliance with federal, state, and local regulations, laws, statutes, and company policies. Develop payment plans as needed. Resolve issues related to disputed invoices with customers and the sales team to enable invoice collection or resolution of short-paid invoices. Other Duties: Perform other duties as beneficial to IDI. Leadership Competencies: Leads Self Communicates Effectively & Candidly Drives for Results Demonstrates Accountability Takes Initiative Collaborates Qualifications/Skills: Technical Skills: Proficiency and experience in understanding Credit Reports and Credit Scoring Proficiency in Microsoft Office software, including Excel and MS Word Communication Skills: Excellent interpersonal, written, and verbal communication skills Strong negotiating skills Interpersonal Skills: Ability to work effectively with diverse groups of people Education and/or Experience: College degree in Business or related field and/or equivalent experience 3+ years Credit experience or related experience in field of finance preferred One of the core values at IDI is Family, and it shows in our benefits! From health coverage (medical, dental, vision) to a 401(k) with a company match, we take care of our team members. Enjoy paid time off for vacation and holidays, plus perks like life and disability insurance and an employee assistance program to support you when you need it most. We know that benefits are an important part of your compensation package, so we'll share full details on eligibility and benefits during the hiring process.
$65.5k-91.6k yearly 19d ago
Credit Analyst II
WNB Financial Na 3.0
Credit analyst job in Winona, MN
We are looking for a skilled analyst to join our Business Banking team! Consider applying if you have experience in business lending, credit analysis, or trend analysis. As a Credit Analyst II, you will focus on the moderate to complex credit levels. This is a highly focused, back-office position where much of your work will be done independently. Position Summary: Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations. Essential Functions: Credit Underwriting 80% Completes loan requests and reviews, focusing on moderate to complex credit levels Inputs information into financial spreading software and trend recognition Analyzes business and personal financial information, tax returns, and credit bureaus. Use this information to create cash flow analysis, trend ratios and collateral analysis to determine the overall risk to the Bank Identifies, requests, and tracks information needed to complete the credit analysis Identifies and reports areas of concern Ensures compliance with federal, state, and bank regulations Reviews loan file for proper documentation Real Estate Evaluation 15% Completes appraisal reviews Complete property evaluations on commercial and residential properties Performs site visits as needed Additional Duties & Responsibilities 5% Backs-up the Credit Officer in the preparation of various monthly and quarterly reports Assists the Credit Officer in preparation of business banking audits Serves as back-up Secretary to the Officer Loan Committee Serves as back-up Secretary to the Board Loan Committee Serves on bank committees as needed Participates in internal and external training and development opportunities as required Other job related duties necessary to carry out the responsibilities of the position Requirements Work Relationships and Scope: Works periodically with clients and works regularly with co-workers. Works regularly with highly confidential business and client information. Regularly participates in bank events. Provides basic training and mentorship to Credit Analyst Level I and other business banking functions. Performance Dimensions: Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; ability to take initiative; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank loan policies and procedures and applicable state and federal regulations. Remains current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank. Knowledge, Skills and Abilities: A 4-year college degree in accounting, finance, business or equivalent experience preferred. Three to seven years of banking experience in business lending, credit analysis or trend analysis required. Must possess courteous and professional customer service attitude; excellent verbal and concise written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with aggressive time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker. Working Conditions: Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Regular mental and visual concentration for computer usage required. Regular use of telephone; frequent repetitive use of keyboard for approximately 6 hours per day. Requires ability to receive and provide detailed information through verbal communication. Requires near and mid-range vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift, and carry up to 10 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns. Equipment Used: Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Silverlake, core banking system, and Sageworks spreading software. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone. EEO/AA Employer/Vets/Disability Salary Description $60,156.34 - $90,234.50 Per Year
$60.2k-90.2k yearly 60d+ ago
Credit Analyst
United Prairie Bank 3.3
Credit analyst job in Mankato, MN
Are you looking to join a team that has shaped United Prairie Bank to be a Top Workplace of choice! United Prairie Bank is hiring a Credit Analyst. This position is full-time, Monday - Friday. This position will office out of the closest United Prairie branch to the applicant's Minnesota residence. Job Overview: In this position you will be collecting, analyzing, and interpreting financial data and financial information to evaluate and mitigate credit risk, as well as determining the appropriate credit risk rating on new and existing borrowers. You will collaborate and work closely with lenders and credit support to maximize borrower cash flow for United Prairie debt retirement and manage credit facilities extended to United Prairie borrowers. Annual Compensation: $56,865-$84,137 Qualifications for this Opportunity: High school diploma or GED (Required) Bachelor's Degree in Accounting, Finance, or Business Management, preferred. Deliver an exceptional customer service experience. Problem solving skills to find effective solutions. Ability to work independently and cooperatively with other team members. Benefits Include: Medical, Dental, Vision insurance 401(k) with Employer Match Health Savings Account (HSA) with Employer Match Flexible Spendings Plans Time Off Benefits - PTO, Volunteer Time Off, 11 paid holidays. Company-paid Life Insurance and Short- & Long-Term Disability Profit Sharing Why United Prairie: United Prairie Bank is a family-owned community bank serving customers for over 100 years through-out Minnesota. Our vision is to inspire dreams and bring them to life. We recognize that our team members are our most important resource. We strive to create a positive work environment through accountability, communication, trust, and service. We are a team of highly engaged employees and foster a culture of opportunity for you to achieve career growth and success. United Prairie Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability status, veteran status and all other protected classes.
$56.9k-84.1k yearly 17d ago
Associate Credit Analyst
Farmop Capital
Credit analyst job in Minnesota
Job Title: Associate Credit Analyst Reports To: Chief Credit Officer Company: FarmOp Capital FarmOp Capital, founded in 2017, is a leader in providing innovative working capital solutions for American farmers. Our unique production-based lending approach offers high advance-rate operating loans that enhance marketing flexibility and purchasing power for U.S. growers. Headquartered in St. Paul, Minnesota, we address a significant gap in agricultural lending by leveraging advanced technology and outcome-based lending strategies. Position Summary As a Credit Analyst, you will play a vital role in evaluating the financial health of farming operations and supporting the credit approval process. You will analyze tax returns, balance sheets, income statements, and other borrower-provided documents to assess risk and inform loan structuring. Working closely with Account Managers and the underwriting team, you will help design financing solutions that align with producers' operational goals while adhering to credit policy and portfolio standards. You will also assist with credit memos, risk ratings, and ongoing monitoring of borrower performance throughout the life of each loan. This role requires strong attention to detail, financial acumen, and a commitment to supporting long-term client relationships through data-driven analysis. This position reports directly to the Chief Credit Officer. Key Responsibilities Financial Review: Review and spread financial statements, tax returns, and borrower documentation Document Review: Review financial documents (e.g., income statements, rent schedules, pro forma budgets) and requests for invoices or payments to ensure expenditures are within loan terms. Communication: Keep co-workers informed of loan status, provide updates, and assist with loan budget adjustments. Collaboration: Work closely with loan officers and underwriters to facilitate efficient loan approvals. Assist loan accounting with AP and AR processes for originated loans. Problem Resolution: Identify and resolve discrepancies in loan applications or documentation and communicate resolutions to appropriate parties. Customer Service: Provide exceptional customer service to sales and operations staff with professionalism throughout the loan application and servicing process. Continuous Improvement: Assist in developing and refining processes, procedures, and policies to enhance efficiency and effectiveness. Provide suggestions and feedback for further technological development. Required Knowledge, Skills, & Abilities Evaluation: Prepare clear, concise credit memoranda with recommendations for lending decisions Analytical Skills: Evaluate the creditworthiness of producers and ag-related entities Communication Skills: Excellent interpersonal skills; ability to build trust and rapport with clients and colleagues. Organizational Skills: Highly organized and able to work under pressure in a fast-paced environment. Technical Proficiency: Proficiency with financial software and Microsoft Office; experience with Smartsheet preferred Leadership: Demonstrated commitment to teamwork and professional development. Work Environment Based in St. Paul, MN (In-person) Typical office environment with standard office equipment usage Position Type: Full-time Equal Opportunity Employer FarmOp Capital is an equal opportunity employer and does not discriminate based on race, color, national origin, age, religion, veteran status, marital status, sexual orientation, gender, or any other protected characteristic. We comply with all applicable federal, state, and local discrimination laws. Applicants with disabilities will not be denied employment if reasonable accommodations allow them to perform the essential functions of the job. Benefits 401(k) Safe Harbor contribution Medical, dental, and vision insurance Disability and life insurance Employee assistance program Paid time off Opportunities for professional development and career advancement Collaborative and supportive work environment Other Duties This job description is not exhaustive, and additional duties may be assigned as necessary. How to Apply Join FarmOp Capital and contribute to advancing agricultural prosperity and rural development. Apply now and support the financial needs of farmers and agribusinesses across the country.
$49k-80k yearly est. 60d+ ago
Credit Analyst I / II
Choice Bank 3.5
Credit analyst job in Fargo, ND
Full-time Description The Credit Analyst position is responsible for gathering, analyzing, and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loan loss. Responsibilities Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheet, profit and loss statements, aging's, borrowing base certificates, debt schedules, equipment lists, business credit reports, credit bureau reports, rent rolls, lease agreements, fall cash flow, personal financial statement, environmental reports, and appraisals. Prepares financial spreads for various types of commercial and real estate businesses and individuals establishing a direct obligation as a borrowers or guarantor. Prepares credit memos for new or renewing loan requests that will be presented for loan decision. Has a thorough understanding and is able to accurately communicate the following aspects of the credit memos: Financial statement analysis including trend, ratios, margins, sensitivity, and pro forma. Cash flow analysis including traditional and UCA. Collateral analysis including BBC review, real estate appraisals, equipment appraisals, contracts, and purchase agreements. Guarantor analysis including cash flow, personal financial statement, and credit report. Risk rating Analyzes findings through underwriting due diligence and narrates information in a comprehensive analysis using a variety of data analysis (charts, formulas, graphs, etc.). Analyzes the credit worthiness of a commercial applicant and guarantors through the review of financial statements and identifies key risks of the relationship. Evaluates the credit quality and suggests proper risk rating based on analysis in the Credit Memo. Ensures relationships are appropriately risk rated during the underwriting process and recommends risk rating changes to the Banker in a timely manner. Provides prompt turnaround on customer and credit requests, while communicating the status of loans in process with the Banker and/or direct manager. Reviews and articulates findings within third party collateral reports to the Banker and/or direct manager. Meets with and interview customers to develop a thorough understanding of the loan request and the business relationship. Uses knowledge of the loan policy to detect deviations, exceptions, and variances on loan proposals. Ensures that all credit requests are properly approved or exceptions documented based on loan policy standards. Assists the banker in completion of quarterly Problem Loan Reports on the bank's risk rated customer. Completes annual reviews, risk rating changes, and other file comments to preserve the credit integrity of the loan portfolio. Provides ongoing monitoring of borrowers' financial indicator covenants for compliance with loan documents. Prepares various loan reports as directed from Credit Leadership. Develop knowledge on SBA or FSA loan products along with policy and procedures. Attends general credit analysis training provided by Credit Manager as well as RMA or MBA classes. Complies with responsibilities as they relate to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). This includes participating in any required training and promptly complying with all reporting requirements. The position may require travel to various Choice Bank offices. Performs duties outside normal scope as assigned. Other duties and special projects as assigned. Requirements Qualifications 1-3 years of experience as a Commercial Credit Analyst Proficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint Demonstrates a desire to learn new skills Exhibits a record of time management abilities Outstanding communication skills, including oral and written Cultural Alignment Choice is #PeopleFirst, banking second. People don't need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities. In contributing to our culture, Choice team members are guided by our core values. Embrace change and encourage innovation. Know when to ask for help and know when to offer help. Better the places we live. Work hard. Do the right thing. Have a little fun. Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values. Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here. Disclosure This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees. All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise.
$48k-75k yearly est. 12d ago
Ag Credit Analyst
The First National Bank In Sioux Falls 3.0
Credit analyst job in Sioux Falls, SD
Job Description The Ag Credit Analyst is responsible for evaluating risks associated with individual loan requests and complex credit relationships within the agricultural industry. This includes determining the information needed for analysis, gathering relevant industry and environmental data, conducting site inspections as requested, and collaborating with loan officers and senior management to assess overall risk levels. The analyst applies agricultural credit expertise and strong analytical skills to quantify credit risk and make independent recommendations that align with loan policy and mitigate potential exposure. Responsibilities also include identifying appropriate credit structures and monitoring requirements, preparing detailed written reports for loan approval authorities, and developing presentations for loan committees, senior management, and other key stakeholders. In addition, our FIRST Values apply to all teammates without exception. FIRST Values Family - We support, trust, and respect each other, our customers, and our shareholders. Independence & Innovation - We embrace change as vital to our success. Relationships - We build relationships that are based on strong character, mutual loyalty, trust, and respect. Stewardship - We take care of ourselves so we can take care of others. Teamwork - We help each other grow and succeed. Who we are: The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations. The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us - it is the cornerstone of our success. Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values. Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships. Although banking has evolved over the years, our mission and values have not and will not change. What will you do: Accountabilities Spreading Financials and Underwriting Accurately enter customer and guarantor financial data into software programs to generate financial spreads, supporting the underwriting of bank documents, applications, and requests in accordance with regulatory requirements and bank policies. Utilize multiple bank software programs to complete financials spreads on loan customers. Analyze the creditworthiness of prospective and current customers by preparing written reports of findings of assigned loans. This includes in-depth analysis of historical financial statements, projected cash flow, ratio analysis, general industry analysis and identified risks. Independently evaluate more complex loan requests with regards to the Bank's underwriting standards and regulatory requirements. Complete additional underwriting tasks such Farmer Mac or FSA as needed to ensure all requirements have been met. Loan Monitoring and Review Monitor loans to assess the risk of a loan once the loan is booked. Conduct collateral inspections with lenders on an as needed basis. Complete borrowing base tracking spreadsheets. Perform covenant monitoring to ensure covenants are in compliance. Research and compare internal portfolio metrics to industry standards while analyzing broad agricultural trends and potential impacts to credit quality. Partner with Others Partner with others to ensure team goals are met. Provide mentoring and guidance to other analysts, business banking trainees, and interns as they work on spreading financial information and underwriting loan requests. Assist the Real Estate Specialist with various duties. Assist with special projects as assigned such as economic reports, guideline reviews, segmentation reports or loan coding. Qualifications Secondary education in related field preferred. Three or more years of relevant work experience or a combination of education/experience that would enable incumbent to meet accountabilities and required competencies of the position. Experience with banking or credit analysis preferred. Skills and Abilities Ability to work independently with little supervision. Self-motivated. Excellent verbal and written communication skills. Demonstrate strong critical thinking skills, including strategic thinking and effective analysis of data. Excellent organizational skills and attention to detail. High degree of accuracy required. Ability to manage multiple competing priorities. Ability to adapt to the needs of the organization and teammates. Collaboration and consultation with teams and individuals across the bank. What's in it for you? Health Insurance Dental & Vision Insurance Profit Sharing Paid Vacation & Holidays Company paid short and long term disability Tuition Reimbursement Program Employee Banking Perks Community Volunteer time And More!
$58k-82k yearly est. 29d ago
Credit Analyst
Executive Recruiting Consultants
Credit analyst job in Saint Cloud, MN
Job Description We have partnered with a successful multi-location locally owned community bank, known for the footprint in the communities they serve. This bank has earned numerous awards for customer service. You will be part of a family-friendly work environment working alongside of strong leaders that are easily accessible, with a chance to grow your career within the organization. WHAT THE COMPANY WILL OFFER YOU: Great place, great people. Competitive compensation of $50,000 - $75,000 -+. Benefits Package that includes excellent health plans (family options available), dental, vision. Generous PTO and Holiday pay. 401k Match. Growth Opportunities - company likes promotes within. THE ROLE YOU WILL PLAY: Gather and analyze credit for current and prospective borrowers. Analyze credit data and financial statements to determine risk. Work closely with loan officers. COMMUNITY: Twin Cities, MN area It's the Twin Cities, need we say more? You can live and work in one of the most thriving cities in the nation. If you need an outing, there are plenty of professional and college sporting events to attend, or there is a vast amount of places available to meet your buddies to hang out. Enjoy some shopping at one of the greatest mall in the nation, or one of the outstanding 5-star restaurants to meet some of your friends. If you want to relax there are many salons and spas to choose from as well. You will be merely minutes away from multiple recreation activities as well including boating, camping, biking, hiking, fishing, hunting, snow skiing, snow shoeing, aquatic parks and more. After all it is the land of 10,000 lakes. Within the area there are multiple schools to choose from for any age. Residing here will allow you to take advantage of living in the natural beauty that the cities are known for and where many people make as a vacation destination. Enjoy living in a growing place that offers opportunities to work and play. BACKGROUND PROFILE: Bachelor's Degree in Accounting, Finance or Related field. Excellent analytical skills. Strong communication skills. Ability to work in team environment. Contact Travis Peper today to find out all the details (605) 428-6149 or email tpeper@ercjobs.com
$50k-75k yearly 19d ago
Credit Analyst - Emerging Banker
Bankeasy
Credit analyst job in Roseville, MN
This role is ideal for individuals with a strong interest in building a career in banking, specifically as a commercial or agri-business banker. Successful candidates will demonstrate a genuine passion for learning the fundamentals of credit analysis, financial assessment, risk management, and loan underwriting. As part of an immersive, structured training program, participants will be given hands-on experience to develop the skills necessary to succeed. Primary responsibilities include reviewing loans to ensure compliance with the bank's Loan Policy and Guidelines. Qualifications: This person should have a bachelor's degree or the equivalent. With oversight, this person should be able to analyze routine credits using sound credit judgment. Communication skills, a proficiency towards detail, and the ability to comprehend and apply Loan Policy and Guidelines is required. An aptitude towards business development and building relationships both internally and externally is necessary. Principal Responsibilities: Learn the Credit Analyst role and build in-depth knowledge of the lending process. Meet, learn from, and build positive relationships with the credit department, bankers, the Market President, and other senior leaders across the organization. Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies. Spread, analyze and review financial statements for current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested. Summarize and analyze findings in the bank's written credit presentation. Prepare annual reviews on borrowing relationships in accordance with loan policy. Monitor covenant compliance with loan agreements. Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position. In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected. As required, perform services and projects for the department and the bank. Attend Credit Department and other committee meetings as requested by management. Act in accordance with FBT policies and procedures as set forth in the employee handbook. Adhere to compliance procedures and participate in required compliance training. The anticipated salary range for this role is between $59,477.48 and $80,295.27. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors, including the individual's relevant experience, training, skills, work location, and other considerations. For those in eligible roles, we offer incentive compensation based on individual performance. Furthermore, this role may qualify for a variety of benefits, such as Medical, Dental, and Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave and Student Loan Repayment Assistance. Learn more at ************************ Compensation Grade Salary Grade 5 First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement . Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at ************ or email ***************.
$59.5k-80.3k yearly Auto-Apply 8d ago
Spec, Credit
Hillrom 4.9
Credit analyst job in Saint Paul, MN
This is where your work makes a difference. At Baxter, we believe every person-regardless of who they are or where they are from-deserves a chance to live a healthy life. It was our founding belief in 1931 and continues to be our guiding principle. We are redefining healthcare delivery to make a greater impact today, tomorrow, and beyond. Our Baxter colleagues are united by our Mission to Save and Sustain Lives. Together, our community is driven by a culture of courage, trust, and collaboration. Every individual is empowered to take ownership and make a meaningful impact. We strive for efficient and effective operations, and we hold each other accountable for delivering exceptional results. Here, you will find more than just a job-you will find purpose and pride. Your role The Respiratory Health Credit Specialist is responsible for resolving credit balances for assigned Third-Party payers and patients in compliance with existing payer contracts and internal policies. What you'll be doing Research and resolve credit balances on claims for assigned third-party payers and patients in a timely manner and in accordance with third-party payer requirements and Baxter policies and job aids. Resolve credit balances with payers by appealing claims, submitting corrected claims, requesting reprocessing of claims, or issuing refund payment on claims. Resolve claim balances resulting from payer recoupments (payment takebacks) and process payment moves to balance takebacks and payments. Document and follow up on explanations of benefits (EOBs) from payers. Identify and articulate trending payer issues and notify appropriate leaders in a timely manner. Verify insurance benefits and understand coverage criteria. Demonstrate a clear understanding of the upstream and downstream processes that affect the team. Act as a resource and subject matter expert to Accounts Receivable Specialists, Patient Accounts Receivable Specialists, Billing Specialists, and Cash Applications Specialists; provide input to department and cross-functional meetings. What you'll bring AA or BA/BS degree preferred. 2+ years of medical collections and/or billing required. DME supplier experience preferred with knowledge and understanding of third-party payer requirements. Basic understanding of other revenue cycle functions including billing, cash, and collections. Proficiency with Microsoft Office required. Customer service oriented, with the ability to speak knowledgably to payers, patients, and other stakeholders. Baxter is committed to supporting the needs for flexibility in the workplace. We do so through our flexible workplace policy which includes a minimum of 3 days a week onsite. This policy provides the benefits of connecting and collaborating in-person in support of our Mission. We understand compensation is an important factor as you consider the next step in your career. At Baxter, we are committed to equitable pay for all employees, and we strive to be more transparent with our pay practices. The estimated base salary for this position is $49,600 to $68,200 annually. The estimated range is meant to reflect an anticipated salary range for the position. We may pay more or less than of the anticipated range based upon market data and other factors, all of which are subject to change. Individual pay is based on upon location, skills and expertise, experience, and other relevant factors. For questions about this, our pay philosophy, and available benefits, please speak to the recruiter if you decide to apply and are selected for an interview. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. US Benefits at Baxter (except for Puerto Rico) This is where your well-being matters. Baxter offers comprehensive compensation and benefits packages for eligible roles. Our health and well-being benefits include medical and dental coverage that start on day one, as well as insurance coverage for basic life, accident, short-term and long-term disability, and business travel accident insurance. Financial and retirement benefits include the Employee Stock Purchase Plan (ESPP), with the ability to purchase company stock at a discount, and the 401(k) Retirement Savings Plan (RSP), with options for employee contributions and company matching. We also offer Flexible Spending Accounts, educational assistance programs, and time-off benefits such as paid holidays, paid time off ranging from 20 to 35 days based on length of service, family and medical leaves of absence, and paid parental leave. Additional benefits include commuting benefits, the Employee Discount Program, the Employee Assistance Program (EAP), and childcare benefits. Join us and enjoy the competitive compensation and benefits we offer to our employees. For additional information regarding Baxter US Benefits, please speak with your recruiter or visit our Benefits site: Benefits | Baxter Equal Employment Opportunity Baxter is an equal opportunity employer. Baxter evaluates qualified applicants without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity or expression, protected veteran status, disability/handicap status or any other legally protected characteristic. Know Your Rights: Workplace Discrimination is Illegal Reasonable Accommodations Baxter is committed to working with and providing reasonable accommodations to individuals with disabilities globally. If, because of a medical condition or disability, you need a reasonable accommodation for any part of the application or interview process, please click on the link here and let us know the nature of your request along with your contact information. Recruitment Fraud Notice Baxter has discovered incidents of employment scams, where fraudulent parties pose as Baxter employees, recruiters, or other agents, and engage with online job seekers in an attempt to steal personal and/or financial information. To learn how you can protect yourself, review our Recruitment Fraud Notice.
$49.6k-68.2k yearly Auto-Apply 3d ago
Credit Analyst
RDO Equipment Co 4.5
Credit analyst job in Fargo, ND
This individual will be responsible for offering superior service to our customers and field staff. In addition, this individual will be accountable for making credit decisions using good judgment and following prescribed guidelines. Specific Duties Include: * Responsible to process customer applications for parts, service, and rental business requests to establish a credit limit or deny credit. * Gather and analyze credit information from sales staff, customer credit application, financial information, etc. * Obtain credit bureau, business credit and bank references. * Contact customer if additional insight or information is needed. * Summarize all credit information and document. Make recommendation to supervisor if outside credit limit authority. * Monitor and review reports within business system to identify and reduce risk for the organization. * Initiate contact with AR staff to ensure customer payments are requested to keep account in good standing. * Communicate with store management on a wide variety of credit request issues and recommendations. * Interact effectively with team members and members of other teams. * Follow all safety rules and regulations while performing work assignments and adhere to all policies and procedures as specified in company manuals and as directed in the employee handbook. * Conduct self in the presence of customers and community so as to present a professional image of RDO Equipment Co. * Foster a great place to work environment within the location/s, encouraging accountability, open communication, teamwork, and a commitment to serving the customer. * Maintain a positive and professional working relationship with peers, management, and support resources, with a constant commitment to teamwork and exemplary customer service. * Proactively seek and participate in available company-sponsored training, in an effort to develop and advance knowledge base and skill set. * Perform all other duties as assigned by management in a professional and efficient manner. Job Requirements: * Minimum of 2 years of experience making credit decisions in an analyst role * Bachelor's degree in finance, accounting, business or equivalent work experience. * Excellent verbal and written communication skills * Professional telephone etiquette * Must be detail orientated, self-motivated and have ability to multi-task * Ability to excel in team environment and individually * Proven record of exceeding daily, weekly, and monthly objectives * Proficient with Microsoft Office products including Excel * Limited travel required * Candidates must have valid work authorization and be able to work in the U.S. without company sponsorship
$36k-49k yearly est. 22d ago
Credit Analyst
Sentinel Federal Credit Union
Credit analyst job in South Dakota
Join Our Team as a Credit Analyst I In-Office | Full-Time (40 hours/week) | Non-Exempt Available Locations: Box Elder, Hill City, or Custer - Choose Your Branch! If you enjoy digging into financial details, asking smart questions, and understanding the story behind the numbers, Sentinel Federal Credit Union may be the place for you. We're seeking a Credit Analyst to support our commercial and agricultural lending teams. This role is ideal for someone early in their credit career-or ready to take the next step-who wants hands-on experience, strong mentorship, and a clear path for professional growth. ?? Pay & Incentives $23.00/hour for candidates without direct credit analysis experience (training and mentorship provided) $25.00 - $27.00/hour for candidates with relevant experience, DOE Eligible for incentive and bonus opportunities Why You'll Love Working at Sentinel We believe thoughtful lending starts with well-supported employees. ?? Comprehensive Benefits Package Medical, Dental & Vision Insurance Health, Dependent Care & Medical Flex Spending Accounts Life Insurance & Long-Term Disability Employee Assistance Program (EAP) Aflac ??? Time Off & Work-Life Balance 3 weeks of vacation per year Paid holidays & personal days Paid volunteer hours Inclement weather pay Regular team-building events and celebrations ?? Growth & Development Paid professional development and networking opportunities Mentorship program Professional book reimbursement Regular team-building activities Strong commitment to internal promotion and career advancement Why Work With Us? At Sentinel, you'll find purpose-not just a job. As a member-focused credit union, we support local businesses and farms through thoughtful, relationship-based lending. Our work is guided by our core values of Service, Trust, Respect, Ownership, Nimble, and Guardian. You'll gain: Exposure to commercial and agricultural underwriting Opportunities to expand your analytical and credit skill set A collaborative environment that values curiosity and accuracy The satisfaction of strengthening local economies What You'll Do Underwrite, with guidance, both complex and non-complex commercial and agricultural credit requests Gather, consolidate, and analyze financial data to support sound credit decisions Draft detailed credit memorandums outlining risks, strengths, and mitigants Present analysis and recommendations to credit administration Participate in discussions around loan structure, pricing, and risk considerations Partner closely with lenders and credit staff to verify information and ensure accuracy Participate in member conversations, calls, and site visits as needed Serve as a control point in the loan approval process, ensuring compliance with policy and covenants Track covenant monitoring, borrowing base certificates, and financial reporting using the lending tickler system Assist with audits, exams, stress testing, risk reviews, and special projects Maintain working knowledge of commercial law, UCC, SBA/USDA programs, and applicable regulations Support loan closings as needed Manage multiple priorities while meeting deadlines in a fast-paced environment Deliver exceptional member service through accurate and timely analysis Perform other duties as assigned Who You Are Detail-oriented with a strong analytical mindset Clear and professional communicator, both written and verbal Comfortable asking questions and seeking clarity A collaborative team player who enjoys supporting lenders Able to interpret financial statements, tax returns, and cash flow analysis 1+ year of commercial or agricultural credit experience preferred, but not required for the right candidate At least 18 years old with a valid driver's license Bachelor's degree in accounting, finance, business, or equivalent experience preferred Curious, motivated, and eager to grow within the credit field What We're Looking For You're someone who: Communicates thoughtfully and professionally Stays focused and accurate on busy days Takes initiative and asks insightful questions Enjoys understanding the “why” behind the numbers Values documentation, compliance, and doing things right Wants to be part of a mission-driven, supportive team How to Apply Ready to take the next step in your credit career? ?? Send your resume to ****************** or apply directly through our careers page. Sentinel Federal Credit Union is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive, respectful workplace for all employees.
$25-27 hourly Easy Apply 8d ago
Credit Analyst
Angott Search Group
Credit analyst job in Aberdeen, SD
Angott Search Group is pleased to partner with a $5 billion South Dakota bank in their search for a Credit Analyst. In this role, you will be responsible for analyzing financial data to determine the creditworthiness of new and existing clients. This position plays a crucial part in the lending process by providing detailed, in-depth financial analysis that supports informed credit decisions. This is a great opportunity for someone with a strong background in accounting or finance who is looking to grow their career within the banking industry. Key Responsibilities: Analyze financial statements, cash flows, and other relevant data for both new and existing borrowers. Prepare comprehensive written presentations outlining your findings to assist lenders and Credit Administration in making credit decisions. Assist in the overall management of the loan portfolio, including monitoring past-due loans and annual reviews. You will be responsible for tracking financial information and alerting lenders to any irregularities. Stay current on developments and trends within various industries related to the loan portfolio. Work with the lending and Credit Administration teams on ongoing projects and presentations to the loan committee as needed. Participate in professional development opportunities to maintain your expertise and stay abreast of new industry trends. Education & Experience: A Bachelor's degree in Accounting or a related field. Alternatively, 3-5 years of related work experience in business, finance, or accounting. Skills & Abilities: Strong knowledge of financial statements and the ability to analyze creditworthiness. Excellent written and verbal communication skills. Must be proficient in Microsoft Outlook, Word, and Excel. A driven individual with an affinity for numbers and a desire to succeed. You must be able to work independently, meet deadlines, and be willing to travel. Basic understanding of banking laws, rules, and regulations.
$45k-72k yearly est. 60d+ ago
Senior Credit Analyst
Bridgewater Bank 4.2
Credit analyst job in Saint Louis Park, MN
We are seeking an experienced Senior Credit Analyst to join our Credit team in St. Louis Park. The Senior Credit Analyst will provide support to the lenders by evaluating the financial condition of individuals and businesses applying for lending credit with the bank. RESPONSIBILITIES: Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends, and loan performance histories Collect, review and analyze loan requests, financial information, appraisals, title insurance, etc. for larger, more complex deals Assign risk ratings to support loan requests Prepare annual reviews of existing loan relationships Assist lenders with closings Mentor other Credit Analysts Identify historical trends of businesses or markets Prepare spreadsheets, reports, summaries and recommendations on loan structure/pricing for lenders Conduct property inspections to ensure accuracy Develop and maintain accurate records for lending clients and accounts Assist loan and credit department managers with special projects for managing risks in the lending function Maintain knowledge of all supporting software, compliance, and procedures as they relate to the loan department Assist lenders in maintaining positive relationships with new and existing clients by providing timely feedback to client requests and questions Adhere to the bank's policies, procedures, security requirements and government regulations including (but not limited to) BSA. QUALIFICATIONS: Bachelor's degree in finance, economics, business or related field 3+ years of experience with C&I and/or Commercial Real Estate Superior analytical/reasoning skills Proficiency in Microsoft Word, Excel, PowerPoint and Outlook Excellent written, verbal, and interpersonal communication skills ABOUT BRIDGEWATER BANK: Picture yourself at one of the Twin Cities' best places to work, surrounded by people who challenge you, support you, and inspire you to be your best. Welcome to Bridgewater Bank. We're on a mission to be the finest entrepreneurial bank in the Twin Cities. Like true entrepreneurs, we run fast and lean. We are in constant evolution and the runway for personal and professional growth is long. People are our strength, and that's why we've created and sustained an award-winning culture that promotes growth and celebrates the big and little wins along the way. At the end of the day, we believe competitive salaries, top-tier benefits, and transparency into the business is a given. Working together toward something meaningful with people you enjoy, is just a bonus! Will you join us? COMPENSATION & BENEFITS: The typical annual/hourly base pay range for this role is between $82,900 - $92,200. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. Bridgewater Bank provides a broad offering of competitive benefits including (but not limited to): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Parental leave 401(k) with employer match Paid vacation & paid holidays PLEASE NOTE: The above is intended to describe the general content of and requirements for this position. It is not to be construed as an exhaustive list of duties, responsibilities, or requirements. It is Bridgewater Bank's policy to promote equal employment opportunities. All personnel decisions, including, but not limited to, recruiting, hiring, training, promotion, compensation, benefits and termination, are made without regard to race, creed, color, religion, national origin, sex, age, marital status, sexual orientation, gender identity, citizenship status, veteran status, disability or any other characteristic protected by applicable federal, state or local law. STATUS: Exempt
$82.9k-92.2k yearly 60d+ ago
Business Banking Officer
Starion Bank 3.2
Credit analyst job in Fargo, ND
Join Our Team as a Business Banking Officer at Starion Bank in Fargo! Level, Officer designation and salary dependent on experience. Are you a customer-focused, disciplined, and ethical individual with a passion for inspiring others? If so, we want you on our team at Starion Bank! Why Starion Bank? As a growing community bank, we pride ourselves on local leadership, personalized service, and deep community loyalty. We're not just a bank; we're a place where you can thrive both professionally and personally. Position: Business Banking Officer Salary: Dependent on experience Location: Fargo, North Dakota Key Responsibilities: Develop, manage, and expand a portfolio of business clients, including small- to mid-size companies across diverse industries. Foster and maintain strong, long-lasting relationships with clients, understanding their unique needs and providing tailored banking solutions. Act as the primary point of contact for business customers, proactively addressing inquiries, concerns, and opportunities for growth. Monitor and manage risk by ensuring compliance with bank policies, procedures, and regulatory standards. Collaborate with internal partners - such as credit, cash management and operations - to deliver seamless service and comprehensive solutions. Qualifications: 5+ years of experience in business banking, commercial lending, credit analysis or a related financial services role. Experience building and maintaining strong relationships with business clients across diverse industries including proactively managing and growing a portfolio of commercial loans and deposits. Proven track record of meeting or exceeding sales goals. Bachelor's degree in finance, business administration, accounting or equivalent combination of education and experience. Strong knowledge of business banking products and services, including loans, lines of credit, cash management. What We Offer: Competitive Salary: Your hard work deserves great pay! Comprehensive Benefits: Including health, life, dental, vision, and a health savings account. Retirement Planning: 401K and profit-sharing options. Incentives: Annual Incentive Compensation Program available for all benefit eligible employees Work-Life Balance: Paid vacation and holidays. Recognized Excellence: Join a team recognized as the “Best of the Best” by Independent Bankers magazine! Ready to Make a Difference? If you're ready to take the next step in your career and be part of a community-focused bank, apply today at ******************** Starion Bank- Taking You Further. Apply now and become a vital part of our team! Starion Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities .
$71k-89k yearly est. Auto-Apply 60d+ ago
Credit Analyst Manager (On Site)- Sioux Falls (Full Time)
Cortrust Bank 4.4
Credit analyst job in Sioux Falls, SD
CORTRUST BANK The mission of this bank is to profitably deliver high quality customer service that meets the financial needs of our community, its businesses, and its citizens. No line of financial services is beyond our charter. CorTrust Bank is seeking a full-time Credit Analyst Manager in our Sioux Falls community! It's more than just a job! When you join one of the region's leading community banks, you can expect a family atmosphere committed to building outstanding teams. We believe in the overall well-being of our employees and work hard to provide the best opportunities for growth. We're proud to offer a competitive compensation package that includes perks like a 401k with employer match, Employee Stock Ownership Plan, insurance coverage options, paid time off, service awards, community service opportunities, an Employee Assistance Program, and a stable work environment. Summary: The Credit Analyst Manager oversees all Credit Analyst functions. They work with a diversified portfolio of loan types and loan requests for current and potential borrowers. They gather and analyze financial data to determine the advisability of granting credit. They use their expertise and leadership skills to lead the Credit Analyst team in thorough research and assessment of credit risk factors and manage their performance and professional development. Key areas of responsibility: Financial Analysis: Analyze current, historical, and projected financial trends and repayment capacity for a variety of operating companies. Research and assess credit risk factors. Recommend loan structure, pricing, and additional credit facilities available for upsell to the lender. Develop alternative solutions to complex credit portfolios. Prepare, spread, and analyze tax returns and a variety of financial statements. Oversee, prepare, and present content and analysis to Loan Officers and Loan Committee for use in making, reviewing, amending, renewing, and extending lending decisions. Leadership: Maintain an extensive understanding of financial services and industry workflows to mitigate risks and achieve results. Provide leadership and guidance to a team, manage team performance, mitigate risk, and uphold efficient and compliant analysis processes. Communicate clearly and informatively across a diverse audience and present numerical data effectively. Set and manage productivity standards, ensuring Credit Analyst work is completed efficiently and accurately. Adhere to all CorTrust policies and handbooks, complete required security and regulatory training, and maintain customer privacy and confidentiality Responds positively to other duties as assigned. Key competencies: The ideal candidate for Credit Analyst Manager possesses a combination of education and experience to be able to perform the primary duties of this position with little supervision, managing multiple projects simultaneously. They adapt easily to system, process, product, and service changes, and are able to reason, solve problems and think critically. They must demonstrate a high level of integrity, personal diplomacy, and respect, and be willing to invest in the ongoing mentorship of a team. Knowledge of Federal banking regulations and industry workflow is preferred, and substantial experience in analyzing financial statements and/or tax returns is required. They will champion change through strategic agility, sound judgement, community advocacy, and perseverance in the face of adversity. CorTrust is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
$44k-62k yearly est. Auto-Apply 50d ago
Mortgage Servicing Special Loans Analyst
Bell Bank 4.2
Credit analyst job in Fargo, ND
This position is responsible for the processing of satisfactions, mortgage modifications, assumptions, transfers of ownership, recasts, balloons, ARMs, mortgage assignments, document recordings, and divorced and deceased notifications. This position verifies MSP fields for serviced 1 st mortgage loans setup in MSP to the closing documentation for accuracy. Primary Duties: Update and maintain position procedures. Daily: PIF Tracking Image PIF files to vendor by 11:00 AM Process monthly and daily reports. Research Fannie Mae, Freddie Mac, Ginnie Mae, and FHLB regulations by regularly utilizing their servicing guides. Update modification documents as regulations change. Process loan modifications, assumptions, and recast requests and verify modification keying in MSP. Order modified title policies through the vendor as required. Process satisfactions through the vendor for all Mortgage Servicing loans paid-in-full. Work with legal department compulsory legal processes. Record documents in Simplifile E-Recording system. Update MSP and take record of Promissory Notes when received from doc custodians. Review and follow up on US Bank, Bank of New York Mellon, NTC, and Simplifile notifications. Serve as a resource to the Manager and research processes and procedures to find efficiencies within the system. This position is required to maintain a working knowledge of all Bell Bank, State, Federal and investor guidelines in order to ensure compliance with rules and regulations. Know by name and face as many customers and employees as possible, calling them by name as often as possible. Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards. Know, understand, and live the company values and bottom line. Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, 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. Perform other duties as assigned. Job Skills Required: Two to three years of experience in mortgage lending or mortgage servicing. Good working knowledge of rules, regulations and policies relating to mortgage loans. Detail oriented, organized, have excellent problem solving skills and math skills. Ability to prioritize, meet deadlines and work independently. Good communication skills to interact with other departments, lenders, customers, Mortgage Servicing staff, management and various insurance companies. Ability to be flexible and adapt well to change.
$35k-48k yearly est. 6d ago
Billing/Member Credit Specialist
Wright-Hennepin Cooperative Electric Association 3.8
Credit analyst job in Rockford, MN
Wright-Hennepin Cooperative Electric Association is a member-owned, not-for-profit electric utility that provides power to rural Wright County and western Hennepin County. The cooperative has been a corporate citizen to the area since 1937 and currently serves more than 59,000 electric accounts. Join Our Team as a Billing/Member Credit Specialist! Are you ready to make an impact? In this role, you'll be at the heart of our financial operations-driving accurate cycle billing and seamless payment processing. You'll bring your expertise in credit, collections, billing, and technology to ensure our cooperative delivers exceptional service and value to every member. We're looking for someone who thrives on precision, embraces deadlines, and is eager to grow through training and skill development. If you're passionate about accuracy, efficiency, and making a difference, this is your opportunity to shine! Location: This is a full-time in-office position at our company headquarters. We are based in Rockford MN, 15 miles west of Plymouth on Hwy 55. Pay & Benefits: Pay Range - $22.30-$25.20/hour depending on experience and qualifications WH offers a comprehensive health insurance plan including medical, dental, and vision coverage. WH also offers a generous company 401K match and contributions to a Health Savings Account. Employees have the potential to receive an annual bonus. Paid time off and paid holidays are provided. Other benefits include tuition reimbursement programs, flexible spending account access, dependent care FSA, and more. Responsibilities/Functions Collect on Aged Receivables Process payments and Drive Collections on Aged Receivables: Handle customer payments promptly and accurately while proactively monitor and collect outstanding balances using all available tools and resources. Stay Ahead of Past Due Accounts: Issue past-due and reminder notices to keep accounts current. Deliver Exceptional Customer Support: Remain available to assist members promptly. Maintain Accurate Payment Records: Update card information, process funds, and ensure account integrity. Ensure Compliance: Maintain consistent, professional practices when handling delinquent accounts. Communicate Effectively: Correspond with customers and maintain thorough documentation. Coordinate Service Actions: Order and manage disconnects/reconnects as needed to uphold service standards. Oversee Multiple Entities: Manage aging, collections, and payment contacts for both WH and WH Holding businesses. Handle Sensitive Cases: Process bankruptcies with accuracy and confidentiality. Billing Keep Things Current: Update addresses, statements, and hotline info so everything stays fresh and accurate. Own the Payment Flow: Handle daily payments like a pro-drafts, lockbox, cash, EFT, and credit cards. Spread the Good Vibes: Process credit refunds and prep member/customer lists for authorization. PDF Power: Process statements with precision and speed. Crunch the Numbers: Analyze and prep bill calculations Plan Like a Boss: Create monthly calendars for billing and collections that keep the team in sync. Show Off Your Work: Prepare board reports that shine. Support The Finance Team Be a Team Player: Jump in to assist other teams whenever your supervisor calls on you. Reporting Rockstar: Deliver accurate and timely weekly and monthly reports with confidence and clarity. Project Power: Contribute to special projects that drive impact across the organization. Plan & Execute: Complete assigned tasks from the Financial Services Department's annual work plan with precision and professionalism. Requirements Education and Experience High School education or equivalent Credit & Collection training or equivalent work experience Billing knowledge Knowledge, Skills and Abilities: Comfortable with High-Volume Administrative Tasks Detail-Oriented in Handling Routine Office Processes Ability to analyze and make accurate decisions Ability to work without close supervision Good communication skills General knowledge of computer applications Knowledge of W-H and associated businesses products Self-motivated Sound work ethic Strong influencing and negotiating skills Solid leadership skills Clear and confident call handling skills Salary Description $22.30-$25.20 per hour
$22.3-25.2 hourly 22d ago
Credit Analyst
Citizens Alliance Bank Careers 3.7
Credit analyst job in Clara City, MN
The Credit Analyst's primary function will be to provide credit analysis assistance to the lenders. This position will monitor incoming financial statements for covenant requirements. The Credit Analyst will perform collateral audits, accounts receivable analysis, and borrowing base certificate reviews. This position is responsible for developing and maintaining knowledge of all loan-related regulations and internal compliance procedures. The Credit Analyst must perform all job responsibilities according to compliance requirements. The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set. Essential Functions: To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Spread financial statements as requested; while maintaining a working knowledge of lending software, to provide overall support and assistance to Lending staff in the financial analysis process. Conduct industry research and locate resource material for peer comparison. Review incoming financial statements. Update and/or complete financial spreads and covenant monitoring spreadsheets to be forwarded to the appropriate Lending staff. Review and assist in negotiating loan agreements and ancillary documents related to transaction closing. Complete an analysis of accounts receivable aging and borrowing base certificates received from borrowers. Update the customer information system with current availability information. Understand the clients' needs and identify potential cross-selling opportunities for other Bank products and services. Perform collateral audits, as requested. Provide written financial statement analysis for credit presentations, file comments and annual reviews. Maintain the report of review due and work with lenders to keep comments current. Monitor and report on specialized portfolios. Perform an annual review of loan portfolios and report findings to appropriate lenders. Provide management report of outstanding issues. Complete periodic reviews of file quality for participation portfolio. Communicate security valuations deficiencies with lenders and perform any follow up action requested. Provide a summary of actions to supervisor. Perform duties in accordance with company policies and procedures, as well as Federal and State Regulations and Laws. Excellent written and verbal communication skills. Ability to multitask. Ability to prioritize workload. Assist co-workers as needed. All employees are expected to exemplify and follow our core values. Regular attendance and punctuality when reporting to work. Travel for trade and industry schools and seminars as needed. This position may require installation of a Multi-Factor Authentication (MFA) app on an employee's personal mobile device. THE MFA apps are used to authenticate a user's identity to the system for security purposes. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures. Perform other duties as assigned and requested. Core Values Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest. Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities. Finds A Way - This simply put, is nothing more than attitude. It's a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference. Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day. Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it's about ownership. When an employee says they will do something, they follow through and get it done. Education and Experience: Required - High School diploma or GED, etc. Required - Continuing Education to maintain job knowledge. Preferred - One to three years of banking experience. Preferred - One to three years of Financial or Credit Analyst experience. Preferred - Proficiency in Microsoft Suites. Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.
$48k-66k yearly est. 48d ago

Learn more about credit analyst jobs

How much does a credit analyst earn in Fargo, ND?

The average credit analyst in Fargo, ND earns between $35,000 and $90,000 annually. This compares to the national average credit analyst range of $40,000 to $93,000.

Average credit analyst salary in Fargo, ND

$56,000

$35,00010%

$56,000Median

$90,00090%

What are the biggest employers of Credit Analysts in Fargo, ND?

The biggest employers of Credit Analysts in Fargo, ND are:

Bank of Choice Holding Company
RDO Equipment Co.

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Credit analyst jobs in Fargo, ND

ERP Analyst

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Credit Analyst

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Ag Credit Analyst

Credit Analyst

Credit Analyst - Emerging Banker

Spec, Credit

Credit Analyst

Credit Analyst

Credit Analyst

Senior Credit Analyst

Business Banking Officer

Credit Analyst Manager (On Site)- Sioux Falls (Full Time)

Mortgage Servicing Special Loans Analyst

Billing/Member Credit Specialist

Credit Analyst

Learn more about credit analyst jobs

How much does a credit analyst earn in Fargo, ND?

What are the biggest employers of Credit Analysts in Fargo, ND?