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Senior Banker
Bank of America 4.7
Credit analyst job in Stillwater, MN
Oak Park Heights, Minnesota **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (****************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** + Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities + Assists, educates, and trains clients on conducting simple transactions through self-service technologies + Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy + Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping + Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** + Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment + In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months + Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client + Collaborates effectively to get things done, building and nurturing strong relationships + Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives + Confident in identifying solutions for helping new and existing clients based on their needs + Strong written and verbal communications skills + Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) + Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances + Applies strong critical thinking and problem-solving skills to meet clients' needs + Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously + Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) + Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance **Desired Qualifications:** + Associate's Degree or Bachelor's Degree in business, finance or a related field + Experience working in a financial center where goals were met or exceeded + Retail and/or sales experience in a salary plus incentive environment + Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded + Experience with financial information, spreadsheets and financial skills + Knowledge of banking products and services + Strong computer skills including Microsoft applications and previous experience utilizing laptop technology **Skills:** + Active Listening + Business Acumen + Customer and Client Focus + Oral Communications + Problem Solving + Account Management + Client Experience Branding + Client Management + Client Solutions Advisory + Relationship Building + Business Development + Pipeline Management + Prospecting + Referral Identification + Referral Management **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
$50k-93k yearly est. 2d ago

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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 2d ago
Financial & Credit Analyst
Arch Capital Group Ltd. 4.7
Credit analyst job in Saint Paul, MN
With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential. Our work is the catalyst that helps others achieve their goals. In short, We Enable Possibility℠. Job Summary This is an analytical position developed to help assess and manage the financial risk on individual deals and the overall casualty book of business across different product lines. It is responsible for the assessment and grading the complex financial nature of large accounts and determining appropriate structure and levels of collateral and funding. It also provides analytical support and guidance to different levels of management on complex situations relating to financial and credit risk management. The hiring team would like to talk with candidates who have experience in financial credit analysis (including from an internship). The team would also be interested in meeting new grad who is excited to join the insurance industry. This role can sit in either the Alpharetta, GA or St. Paul, MN office on a hybrid schedule of three days in the office, two days remote. * Complete reviews and evaluations of existing and prospect clients' financial condition and credit worthiness * Track upcoming renewals and pro-actively secure and compile data * Collaborate with the underwriting teams in identifying and soliciting information needed to complete the financial and credit risk analysis * Compile, upload and spread financials in Moody's Credit Lens * Conduct industry and market research and competitive landscape analysis * Participate in fact finding calls and meetings with client's Senior Financial Management * Review and monitor economic, marketplace, and collateral trends, particularly as they relate to target industries * Research accounting and business changes and update benchmarks and analytical tools * Act as a liaison with the Global Treasury and Corporate Accounting and Finance teams as relates to collateral, credit, billing and accounting type of issues * Populate and run Collateral Analysis and Assessment Tool * Provide ad-hoc management and financial reports on the casualty book of business Education & Experience * Bachelors or higher degree in Finance/Accounting. * Prior experience and expertise in Financial and Credit Risk and Financial Statement Analysis. * Prior experience in the Insurance/Risk Management field is a plus. * Prior experience with Moody's CreditLens and S&P Capital IQ is a plus. Key Competencies * Well organized and able to prioritize and handle diverse tasks effectively * Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy * Excellent communication and interpersonal skills * High level of understanding of financial statements and transactions * Ability to influence without authority. #LI-AT1 #LI-hybrid For individuals assigned or hired to work in the location(s) indicated below, the base salary range is provided. Range is as of the time of posting. Position is incentive eligible. $73,348 - $99,236/year * Total individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. The above pay range may be modified in the future. * Arch is committed to helping employees succeed through our comprehensive benefits package that includes multiple medical plans plus dental, vision and prescription drug coverage; a competitive 401k with generous matching; PTO beginning at 20 days per year; up to 12 paid company holidays per year plus 2 paid days of Volunteer Time Offer; basic Life and AD&D Insurance as well as Short and Long-Term Disability; Paid Parental Leave of up to 10 weeks; Student Loan Assistance and Tuition Reimbursement, Backup Child and Elder Care; and more. Click here to learn more on available benefits. Do you like solving complex business problems, working with talented colleagues and have an innovative mindset? Arch may be a great fit for you. If this job isn't the right fit but you're interested in working for Arch, create a job alert! Simply create an account and opt in to receive emails when we have job openings that meet your criteria. Join our talent community to share your preferences directly with Arch's Talent Acquisition team. 14400 Arch Insurance Group Inc.
$73.3k-99.2k yearly Auto-Apply 11d ago
Financial & Credit Analyst
Archgroup
Credit analyst job in Saint Paul, MN
With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential. Our work is the catalyst that helps others achieve their goals. In short, We Enable Possibility℠. Job Summary This is an analytical position developed to help assess and manage the financial risk on individual deals and the overall casualty book of business across different product lines. It is responsible for the assessment and grading the complex financial nature of large accounts and determining appropriate structure and levels of collateral and funding. It also provides analytical support and guidance to different levels of management on complex situations relating to financial and credit risk management. The hiring team would like to talk with candidates who have experience in financial credit analysis (including from an internship). The team would also be interested in meeting new grad who is excited to join the insurance industry. This role can sit in either the Alpharetta, GA or St. Paul, MN office on a hybrid schedule of three days in the office, two days remote. Complete reviews and evaluations of existing and prospect clients' financial condition and credit worthiness Track upcoming renewals and pro-actively secure and compile data Collaborate with the underwriting teams in identifying and soliciting information needed to complete the financial and credit risk analysis Compile, upload and spread financials in Moody's Credit Lens Conduct industry and market research and competitive landscape analysis Participate in fact finding calls and meetings with client's Senior Financial Management Review and monitor economic, marketplace, and collateral trends, particularly as they relate to target industries Research accounting and business changes and update benchmarks and analytical tools Act as a liaison with the Global Treasury and Corporate Accounting and Finance teams as relates to collateral, credit, billing and accounting type of issues Populate and run Collateral Analysis and Assessment Tool Provide ad-hoc management and financial reports on the casualty book of business Education & Experience Bachelors or higher degree in Finance/Accounting. Prior experience and expertise in Financial and Credit Risk and Financial Statement Analysis. Prior experience in the Insurance/Risk Management field is a plus. Prior experience with Moody's CreditLens and S&P Capital IQ is a plus. Key Competencies Well organized and able to prioritize and handle diverse tasks effectively Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy Excellent communication and interpersonal skills High level of understanding of financial statements and transactions Ability to influence without authority. #LI-AT1 #LI-hybrid For individuals assigned or hired to work in the location(s) indicated below, the base salary range is provided. Range is as of the time of posting. Position is incentive eligible. $73,348 - $99,236/year Total individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. The above pay range may be modified in the future. Arch is committed to helping employees succeed through our comprehensive benefits package that includes multiple medical plans plus dental, vision and prescription drug coverage; a competitive 401k with generous matching; PTO beginning at 20 days per year; up to 12 paid company holidays per year plus 2 paid days of Volunteer Time Offer; basic Life and AD&D Insurance as well as Short and Long-Term Disability; Paid Parental Leave of up to 10 weeks; Student Loan Assistance and Tuition Reimbursement, Backup Child and Elder Care; and more. Click here to learn more on available benefits. Do you like solving complex business problems, working with talented colleagues and have an innovative mindset? Arch may be a great fit for you. If this job isn't the right fit but you're interested in working for Arch, create a job alert! Simply create an account and opt in to receive emails when we have job openings that meet your criteria. Join our talent community to share your preferences directly with Arch's Talent Acquisition team. 14400 Arch Insurance Group Inc.
$73.3k-99.2k yearly Auto-Apply 13d 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 53d ago
Credit Analyst I / II
Choice Bank 3.5
Credit analyst job in Minnesota
Full-time Description can be worked out of any Choice Bank location in our Minneapolis market. 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. The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience and geographic location. Full time employees are also eligible for a competitive bonus and benefits package. Check out bankwithchoice.com/careers for an outline of current benefit offerings. Salary Description $19.48 - $41.78 / hour
$19.5-41.8 hourly 60d+ 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 II
WNB Financial Na 3.0
Credit analyst job in Wabasha, 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
$51k-78k yearly est. 60d+ 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
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 24d ago
Credit Balance Specialist
Radiology Partners 4.3
Credit analyst job in Minnesota
RAYUS now offers DailyPay! Work today, get paid today! is $18.25 - $26.39 based on direct and relevant experience. RAYUS Radiology is looking for a Credit Balance Specialist to join our team. We are challenging the status quo by shining light on radiology and making it a critical first step in diagnosis and proper treatment. Come join us and shine brighter together! As a Credit Balance Specialist, you will coordinate, process, and audit accounts to determine posting errors and overpayments and takes corrective action to ensure account accuracy. This is a full-time position, working Monday through Friday, 40 hours per week during standard corporate business hours. ESSENTIAL DUTIES AND RESPONSBILITIES: (80%) Credit Balance Support Analyzes each credit balance to determine root cause and establishes a plan of action Takes action on all payer and patient refund requests Posts the appropriate adjustments to correct any errors that were created during receipt and adjustment posting to resolve the credit balance Ensures appropriate documentation of refunds recorded on individual accounts Completes refund requests for patient and payers when overpayments occur within the timeline established by accounts payable and according to month end guidelines Coordinates the supporting documentation required to accompany the refund (10%) Revenue Cycle Management Support Responds to customer service inquiries related to refund requests Assists with month-end posting of payments when directed (10%) Performs other duties as assigned
$53k-74k yearly est. 1d ago
Senior Credit Analyst
Village Bank 4.5
Credit analyst job in Saint Francis, MN
Job Description Are you passionate about community banking, dedicated to servicing customers, and ready to make a meaningful impact? Village Bank is seeking a talented, driven Senior Credit Analyst to join our team. Village Bank, founded in 1993, is a trusted community banking partner with four locations located within the north metro Twin Cities market. Our passion for community banking stems from our desire to help people - both our valued employees and our growing communities in which we serve. We are dedicated to empowering individuals and businesses by fostering growth, enriching lives and strengthening the communities we serve. About the Role The Senior Credit Analyst plays a critical role in supporting Village Bank's lending operations. This position is responsible for completing commercial credit presentations across a wide range of loan types, including: Investor real estate Commercial and industrial Small Business Administration (SBA) loans Working with minimal supervision, the Senior Credit Analyst provides detailed and timely credit underwriting support by preparing comprehensive loan summaries, financial analyses, and presentation materials. Key Responsibilities: Analyze credit data and financial statements to evaluate borrower risk Spread financial statements and tax returns for accurate financial representation. Complete reviews of third-party reports (appraisals, valuations, environmental assessments). Review credit files to ensure current financial information, uniform organization across bank locations and compliance with state, federal and internal policies. Determine collateral valuations to ensure adequate security for the bank. Perform discounted cash flow valuations and verify appraisal valuations. Provide technical assistance to lenders as needed. Assist customers and bank staff with all aspects of the commercial loan process. Offer recommendations on loan policies and processes as appropriate. Maintain and develop credit department reports as requested. Assist in developing procedures, templates, spreadsheets to improve the credit process. Qualifications To be considered, you must have: At a minimum, an associate's degree in accounting or related field 5+ years of business loan underwriting or credit analysis experience Knowledge of related state and federal banking regulations and other bank operational policies Knowledge of bank policies and procedures along with Bank products and services offered Exceptional oral, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions, instruct others, interpret documents, understand procedures, write reports and correspondence and speak clearly to customers and employees Commitment to providing superior customer service to internal and external customers, always demonstrating professionalism and confidentiality Ability to develop and maintain positive working relationships to collaboratively achieve Bank goals Ability to work with limited supervision while performing duties Must have a reasonable commute to either Ramsey, East Bethel, St. Francis or Blaine due to in-office requirements. What We Offer Competitive pay based on qualifications and previous work experience. Comprehensive benefit plans including medical, dental, vision, disability, HSA match, FSA, and more. 401(k) plan with a company match of up to 4%. Generous PTO and paid holidays Paid volunteer time. Volunteering in the community is woven into our culture so we support and encourage giving back! A true community-focused culture! We appreciate your interest in joining the Village Bank team. If you have the experience and qualifications for the position and are eager to learn more about our organization and this exciting opportunity, we'd love to meet you!
$64k-88k yearly est. 2d ago
Credit Analyst
MRA Recruiting Services
Credit analyst job in Mendota Heights, MN
Christian Investors Financial Mendota Heights, MN Competitive Salary and Excellent Benefits! Do you have a passion for making a difference in the world and God's kingdom? Join the Christian Investors Financial team to help empower others and assist in providing faith-based financial solutions that serve to advance God's Kingdom! https://christianinvestors.org/ As a Credit Analyst, you will perform comprehensive credit analysis, underwriting, and reviews; then provide and present overall assessments and recommendations as to the creditworthiness of both potential and current borrowers, while ensuring the completeness and accuracy of the overall credit risk assessment through the review of both quantitative and qualitative factors. This includes financial analysis of provided financial statements and reports, the identification and assessment of key risk factors and their potential mitigation, and the communication of overall credit assessments and recommendations for the review and approval of CIF's Loan Committee. Christian Investors Financials' Mission is to provide faith-based financial solutions that serve Kingdom expansion and their values are as follows: *Stewardship * Communication * Collaboration * Curiosity Job Requirements: Committed, personal relationship with Jesus Christ Bachelor's degree in Finance, Accounting, or related Business concentration preferred Experience or training in a customer service-oriented setting. Familiarity and experience with reviewing and analyzing organizational financial statements preferred. Previous experience within a banking, credit union, or financial services environment preferred. Sufficient analytical (both quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties, and to complete and provide evaluations and recommendations Strong organizational, time management, interpersonal communication (both written and verbal), and attention to detail skills to perform duties and complete work with the necessary completeness, accuracy, and efficiency. Essential Duties and Responsibilities: Perform credit analysis, risk, underwriting, and overall assessment reviews as assigned and in collaboration with internal team members in support of CIF's Organizational Vision and Values. Including: Analyzes and evaluates the financial condition of both potential and current borrowers; reviewing completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including both strengths and weaknesses pertaining to a borrower's current and historical financial condition. Interacts and communicates with both potential and current borrowers as appropriate to obtain answers to additional questions/clarifications, and also supplementary information required to complete the assessment. Prepares and presents overall credit assessments and recommendations, which include detailed financial statement analysis, giving and attendance trends, various organization/economic/market factors, project information if a construction credit, and in-depth analysis of the secondary sources of repayment such as collateral. Interacts and collaborates with Business Development and Loan Committee members; communicates, presents and answers questions regarding prior approved credits and those outstanding and in need of approval. Drafts and processes approved a preliminary and formal commitment to lend agreements, as well as preparation and processing of various related loan agreements, amendments, modifications, and other changes to original terms. Monitors and reviews certain identified and prioritized post-closing existing credits within the loan portfolio as needed; including monitoring of property insurance and collateral and the review and credit risk analysis of reported/discovered changes in borrower circumstances and their potential impact on prior credit assessments. Perform other duties as needs arise, including support and contributions towards CIF strategic initiatives to enhance operational effectiveness and customer experience. We Make it Easy Founded in 1901, MRA is a nonprofit employer association that serves more than 4,000 employers, covering more than one million employees. As one of the largest employer associations in the nation, MRA helps its member organizations thrive by offering the most comprehensive assortment of HR services, information, education, and resources to help build successful workplaces and a powerful workforce. We partner with these companies working directly with their HR department and leadership to hire their talent. We are a direct line to the company, not an agency recruiter.
$49k-80k yearly est. Auto-Apply 20d ago
Credit Analyst
Deerwood Bank 3.5
Credit analyst job in Mendota Heights, MN
Deerwood Bank is a growing, family owned, community bank with 14 locations in Minnesota and is hiring a Credit Analyst to work in its Mendota Heights, MN branch. The individual will participate in the commercial banking process by providing research and analysis to support the Business Bankers in their underwriting decisions. Tasks associated with this position include spreading and analyzing financial statements, preparing credit approval presentations, business and guarantor cash flow analysis and financial projections as necessary. Major Responsibilities and Duties: Spread and analyze interim and year-end financial statements, borrowing base certificates, personal financial statements and tax returns, ensuring timely completion of required reports. In conjunction with Business Bankers, assist in the preparation of written commercial loan analyses in a concise but complete format identifying major trends, issues. Develop a strong foundation in analysis in order to understand and to identify credit risks. Use that foundation to make informed analysis and suggestions to the lenders. Work with Business Bankers to ensure financial information from clients and prospects is processed and distributed in an accurate, timely and consistent manner to ensure financial risk is managed appropriately. Monitor loan covenants and reporting requirements as necessary. Check covenant compliance as annual and interim financial statements are received and spread. Coordinate with other staff to ensure timely completion of month-end reporting as necessary. Build on acquired skills to analyze increasingly complex companies and industries, eventually assuming more responsibility for credit approval presentations. Learn SBA 504 and 7(a) loan parameters as well as other risk mitigation techniques and programs like USDA. Make suggestions to the Credit Officer to optimize the use of data and resources available to analyze risk. Assists Credit Officer with reporting to the Officer's Credit Committee, Director's Credit Committee, or Board of Directors on an “as needed” basis. Perform other duties as apparent or assigned. Regulatory Compliance Requirements: Responsible for meeting the requirements for all statutes/regulations pertaining to or governing their positions/departments. Independent Judgment: Must use a moderate degree of independent judgment when determining the financial risk and collateral risk associated with each transaction analyzed as well as the appropriate advance rates for type and quality of collateral and the appropriate handling of customer service issues. Must understand organizational and departmental priorities and effectively manage the workload with nominal direction. Knowledge, Skills and Abilities: College degree in business, accounting, finance or comparable employment experience. Formal credit/cash flow analysis training, and well-developed credit analysis and analytical skills. Strong interpersonal skills, with a demonstrated excellence in working effectively as an individual and as part of a team Strong personal motivation and attention to detail Understanding of economics, finance, accounting, financial statements and GAAP. Ability to discuss financial and collateral issues with Business Bankers and customers. The ability to independently prioritize work, multi-task and meet deadlines. Excellent written, verbal and analytical skills. Effective technical report writing skills Strong computer skills with experience with Microsoft Office Suite and financial spread sheet software. Work Schedule: Monday - Friday 8:00am - 5:00pm Hiring Pay Rate: $55,000 - $75,000 per year, depending on qualifications. Benefits are available to employees working 30 or more hours per week on the first of the month following date of hire. Medical insurance, including virtual telemedicine and mental health counseling Health Savings Account Flexible Spending Account (health, limited purpose health, and dependent care) Dental insurance Vision insurance Life insurance (basic and voluntary) Short-term disability insurance Long-term disability insurance Long-term care insurance Adoption Assistance Program Employee Assistance Program PTO Paid Volunteer Time Off Paid holidays 401(k) with company match (eligible on the first of the month following 2 months of employment) Financial wellness education Free or reduced fees for banking products and services Employee Referral Bonus
$55k-75k yearly Auto-Apply 19d ago
Accounts Receivable Analyst
Creative Financial Staffing 4.6
Credit analyst job in Edina, MN
Job Title: Accounts Receivable Analyst Employment Type: Full-Time The Accounts Receivable Analyst will be responsible for investigating, managing, and resolving chargeback disputes to minimize financial losses and improve overall operational efficiency. This role involves collaborating with internal teams, reviewing chargeback data, and providing insights to enhance fraud prevention and customer service strategies. Key Responsibilities: Investigate and analyze chargeback claims to determine validity and root cause. Collect and prepare necessary documentation to dispute chargebacks. Collaborate with cross-functional teams (e.g., customer service, finance, sales) to gather information and implement chargeback prevention strategies. Monitor chargeback trends and provide regular reports to management on key metrics. Identify and recommend process improvements to minimize future chargebacks. Stay updated on industry regulations, credit card network guidelines, and fraud prevention best practices. Assist with compliance and audit-related activities as needed. Qualifications: Bachelor's degree in Finance, Business Administration, or a related field (or equivalent experience, no degree required) 2+ years of experience in chargeback processing, payment disputes, or financial operations (preferably in a retail environment). Strong analytical and problem-solving skills with attention to detail. Knowledge of credit card processing, merchant services, and chargeback regulations (Visa, MasterCard, etc.). Proficiency in Excel and data analysis tools; familiarity with payment platforms is a plus. Excellent communication skills and ability to collaborate across departments. Ability to thrive in a fast-paced, deadline-driven environment. Why Join Us? Competitive salary and benefits package. Opportunity to work in a collaborative, innovative environment. Professional growth and development opportunities. A chance to make a real impact on the organization's bottom line Work Model: Hybrid with 3 days in office per week required Compensation: $52,000 - $62,000/year depending upon years of experience
$52k-62k yearly 1d 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. 22d ago
Senior Banker - Blaine Financial Center
Bank of America Corporation 4.7
Credit analyst job in Minneapolis, MN
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client Collaborates effectively to get things done, building and nurturing strong relationships Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives Confident in identifying solutions for helping new and existing clients based on their needs Strong written and verbal communications skills Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances Applies strong critical thinking and problem-solving skills to meet clients' needs Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance Desired Qualifications: Associate's Degree or Bachelor's Degree in business, finance or a related field Experience working in a financial center where goals were met or exceeded Retail and/or sales experience in a salary plus incentive environment Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded Experience with financial information, spreadsheets and financial skills Knowledge of banking products and services Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40
$49k-92k yearly est. 7d 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. 46d ago
Credit Analyst
Executive Recruiting Consultants
Credit analyst job in Hopkins, 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! Check out all of our opportunities at www.ercjobs.com!
$50k-75k yearly 24d ago
Credit Analyst
MRA Recruiting Services
Credit analyst job in Mendota Heights, MN
Job DescriptionCredit Analyst Christian Investors Financial Mendota Heights, MN Competitive Salary and Excellent Benefits! Do you have a passion for making a difference in the world and God's kingdom? Join the Christian Investors Financial team to help empower others and assist in providing faith-based financial solutions that serve to advance God's Kingdom! https://christianinvestors.org/ As a Credit Analyst, you will perform comprehensive credit analysis, underwriting, and reviews; then provide and present overall assessments and recommendations as to the creditworthiness of both potential and current borrowers, while ensuring the completeness and accuracy of the overall credit risk assessment through the review of both quantitative and qualitative factors. This includes financial analysis of provided financial statements and reports, the identification and assessment of key risk factors and their potential mitigation, and the communication of overall credit assessments and recommendations for the review and approval of CIF's Loan Committee. Christian Investors Financials' Mission is to provide faith-based financial solutions that serve Kingdom expansion and their values are as follows: *Stewardship * Communication * Collaboration * Curiosity Job Requirements: Committed, personal relationship with Jesus Christ Bachelor's degree in Finance, Accounting, or related Business concentration preferred Experience or training in a customer service-oriented setting. Familiarity and experience with reviewing and analyzing organizational financial statements preferred. Previous experience within a banking, credit union, or financial services environment preferred. Sufficient analytical (both quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties, and to complete and provide evaluations and recommendations Strong organizational, time management, interpersonal communication (both written and verbal), and attention to detail skills to perform duties and complete work with the necessary completeness, accuracy, and efficiency. Essential Duties and Responsibilities: Perform credit analysis, risk, underwriting, and overall assessment reviews as assigned and in collaboration with internal team members in support of CIF's Organizational Vision and Values. Including: Analyzes and evaluates the financial condition of both potential and current borrowers; reviewing completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including both strengths and weaknesses pertaining to a borrower's current and historical financial condition. Interacts and communicates with both potential and current borrowers as appropriate to obtain answers to additional questions/clarifications, and also supplementary information required to complete the assessment. Prepares and presents overall credit assessments and recommendations, which include detailed financial statement analysis, giving and attendance trends, various organization/economic/market factors, project information if a construction credit, and in-depth analysis of the secondary sources of repayment such as collateral. Interacts and collaborates with Business Development and Loan Committee members; communicates, presents and answers questions regarding prior approved credits and those outstanding and in need of approval. Drafts and processes approved a preliminary and formal commitment to lend agreements, as well as preparation and processing of various related loan agreements, amendments, modifications, and other changes to original terms. Monitors and reviews certain identified and prioritized post-closing existing credits within the loan portfolio as needed; including monitoring of property insurance and collateral and the review and credit risk analysis of reported/discovered changes in borrower circumstances and their potential impact on prior credit assessments. Perform other duties as needs arise, including support and contributions towards CIF strategic initiatives to enhance operational effectiveness and customer experience. We Make it Easy Founded in 1901, MRA is a nonprofit employer association that serves more than 4,000 employers, covering more than one million employees. As one of the largest employer associations in the nation, MRA helps its member organizations thrive by offering the most comprehensive assortment of HR services, information, education, and resources to help build successful workplaces and a powerful workforce. We partner with these companies working directly with their HR department and leadership to hire their talent. We are a direct line to the company, not an agency recruiter. Powered by JazzHR WcvcRMVT1r
$49k-80k yearly est. 22d ago

Learn more about credit analyst jobs

How much does a credit analyst earn in Grand Forks, ND?

The average credit analyst in Grand Forks, ND earns between $35,000 and $91,000 annually. This compares to the national average credit analyst range of $40,000 to $93,000.

Average credit analyst salary in Grand Forks, ND

$57,000

$35,00010%

$57,000Median

$91,00090%

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Credit analyst jobs in Grand Forks, ND - 185 jobs

Senior Banker

ERP Analyst

Financial & Credit Analyst

Financial & Credit Analyst

Credit Analyst

Credit Analyst I / II

Credit Specialist

Credit Analyst II

Associate Credit Analyst

Credit Analyst

Credit Balance Specialist

Senior Credit Analyst

Credit Analyst

Credit Analyst

Accounts Receivable Analyst

Credit Analyst

Senior Banker - Blaine Financial Center

Credit Analyst I / II

Credit Analyst

Credit Analyst

Learn more about credit analyst jobs

How much does a credit analyst earn in Grand Forks, ND?