Credit Analyst

Credit 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!

Website: christian investors.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 Financial’s Mission is to provide faith-based financial solutions that serve Kingdom expansion and their values are as follows:
Stewardship, Communication, Collaboration, Curiosity

• 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 (quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties and provide evaluations and recommendations
• Strong organizational, time management, interpersonal communication (written and verbal), and attention to detail skills to perform duties with completeness, accuracy, and efficiency

• Perform credit analysis, risk, underwriting, and overall assessment reviews in collaboration with internal team members in support of CIF’s Organizational Vision and Values, including:
  • Analyze and evaluate the financial condition of both potential and current borrowers; review completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including strengths and weaknesses
  • Interact with potential and current borrowers to obtain information and clarifications as needed
  • Prepare and present overall credit assessments and recommendations, including detailed financial statement analysis, attendance trends, and analysis of collateral and repayment sources
  • Interact with Business Development and Loan Committee members; communicate and answer questions regarding prior approved credits and those outstanding
  • Draft and process preliminary and formal loan commitments, and related loan agreements, amendments, and modifications
  • Monitor and review post-closing credits and related collateral; analyze changes in borrower circumstances and their impact on prior assessments
• Perform other duties as needed, including support for CIF strategic initiatives to enhance operational effectiveness and customer experience