Sr. Credit Analyst
Listed on 2025-12-01
-
Finance & Banking
Financial Analyst, Risk Manager/Analyst
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Sr. Credit AnalystFT Exempt Bloomington, MN, US
6 days ago Requisition
Salary Range: $80,000.00 To $ Annually
The pay range represents the anticipated base pay for this position. Actual pay will be based on factoring including, but not limited to: market data, internal equity, skillset and knowledge, experience, education and overall qualifications for the role.
This position is eligible for the Credit Analyst Annual Incentive Plan.
JOB SUMMARYThe Credit Analyst position is responsible for analyzing and monitoring credit worthiness of assigned account base and preparing professional credit presentations that recommend the extension of credit within established guidelines. Responsible for analyzing risk within the lending portfolio, at the inception of a lending process and on an ongoing basis.
JOB RESPONSIBILITIES- Ensure financial package is complete with tax returns and financial statements. Obtain missing items from banker or customer.
- Complete financial spreads using Baker Hill, Web Equity, Excel and/or other software.
- Analyze the results of the financial spreads (i.e. financial ratios and cash flow) to determine viability and repeatability of primary repayment source (typically cash flow).
- Evaluate and analyze secondary sources of repayment, including collateral and guarantors, to determine adequate repayment sources for the loan.
- Compare customer financial status to industry norms and MCB Credit policy guidelines.
- Consider all risk and accurately propose and assign risk rating to match level of risk.
- Make recommendations and discuss results with Lender.
Education-
- Required:
Bachelor’s Degree
Experience-
- Required:
5+ years of progressively responsible credit analysis experience or equivalent, demonstrated higher level analysis and output.
This position is scheduled to work 40 hours per week from 8:30 am to 5:00 pm. The Company reserves the right to change the schedule as required for business needs.
BENEFIT INFORMATIONOur Team Members enjoy a comprehensive benefits package, including:
- Health Insurance with two medical plan options as well as dental and vision options.
- Employer matched 401(k) plan.
- Company-paid life insurance, AD&D and short and long-term disability. Team members can also purchase additional life and AD&D insurances.
- Paid Time Off and all Federal holidays observed.
Mid Country Bank is an equal opportunity employer and does not discriminate against otherwise qualified applicants on the basis of race, color, creed, religion, ancestry, age, sexual orientation, marital status, national origin, disability or handicap, veterans status, genetic information or gender identity. Mid Country Bank is an EEO/AA Employer.
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