Credit Analyst
Bridgewater Bank is a leading entrepreneurial bank in the Twin Cities, dedicated to providing exceptional service and fostering a supportive work environment. They are seeking a detailed oriented and analytical Credit Analyst to assist lenders by evaluating the financial condition of individuals and businesses applying for lending credit. The role involves analyzing loan requests, preparing credit presentations, and maintaining positive relationships with clients.
Responsibilities
- Collect, review and analyze loan requests, financial information, appraisals, title insurance, etc
- Identify historical trends of businesses or markets
- Prepare spreadsheets, reports, summaries and recommendations on loan structure/pricing for lenders
- Conduct property inspections to ensure accuracy
- Assign risk ratings to support loan requests
- Prepare annual reviews of existing loan relationships
- Prepare credit presentations to be used in the credit approval process including: cash flow analysis, forecasting of future performance, industry trends, and loan performance histories
- Develop and maintain accurate records for lending clients and accounts
- Maintain knowledge of all supporting software, compliance, and procedures as they relate to the loan department
- Assist lenders in maintaining positive relationships with new and existing clients by providing timely feedback to client requests and questions
- Adhere to the bank’s policies, procedures, security requirements and government regulations including (but not limited to) BSA
Skills
- Bachelor's degree in Finance, Economics, Business or related field
- Superior analytical/reasoning skills
- Proficiency in Microsoft Word, Excel, PowerPoint and Outlook
- Excellent written, verbal, and interpersonal communication skills
Benefits
- Healthcare (medical, dental, vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Parental leave
- 401(k) with employer match
- Paid vacation & paid holidays
Company Overview