Credit Analyst - Capital Finance

The Credit Analyst – Capital Finance is responsible for evaluating, structuring, and monitoring credit exposures related to capital finance transactions. This role supports disciplined capital deployment through rigorous financial analysis, collateral evaluation, and risk assessment, ensuring alignment with the Bank’s credit policy, risk appetite, and return objectives.

• Evaluate borrower creditworthiness through detailed analysis of financial statements, cash flow, liquidity, leverage, and capital structure.
• Assess transaction structure, including debt capacity and repayment sources.
• Analyze sponsor strength, industry dynamics, and enterprise valuation where applicable.
• Prepare credit memoranda with clear risk identification, mitigants, and recommendation.
• Support credit approval process and documentation requirements in coordination with legal and credit risk teams.

• Support structuring of complex capital finance transactions.
• Assess collateral quality, advance rates, borrowing base mechanics, and eligibility criteria.
• Partner with relationship managers and deal teams to optimize risk-adjusted returns.
• Participate in transaction due diligence, including review of third-party reports, appraisals, and field exams.
• Monitor existing portfolio exposures for compliance with credit terms and performance expectations.
• Perform ongoing financial analysis and collateral monitoring.
• Identify emerging risks and recommend risk mitigation strategies or credit actions.
• Provide insights to inform credit strategy, portfolio trends, and capital allocation decisions.

• Bachelor’s degree in finance, accounting, or a business‑related field; or equivalent amount of experience.
• 2 – 4 years of experience in commercial credit analysis, commercial lending, or bank examination.

• Advanced spreadsheet skills, including comfort with financial formulas, data sorting, and formatting.
• Exceptional organizational skills with a proven ability to prioritize tasks, manage workload independently, and consistently hit strict project deadlines.
• Above‑average written and verbal communication skills, with the ability to clearly articulate financial findings to senior staff and Portfolio Officers.
• Solid foundational knowledge of financial accounting, with the ability to read and understand financial statements (Income Statement, Balance Sheet, Cash Flow).
• Strong analytical mindset with the capability to accurately spread financial statements and monitor client performance trends through monthly financials.
• High proficiency with modern computer technology and a quick learning curve for proprietary banking software and systems.

In addition to salary, Bell Bank offers a comprehensive benefits package including healthcare (medical, dental, vision), employee stock ownership program, and 401(k) contribution and profit‑sharing plan. All benefits are subject to eligibility requirements.

Equal Opportunity Employer

Pay Range: $68,700.00 - $83,900.00 / year