Credit Analyst

Job Title Credit Analyst Location Delano & Mound, MN Overview Minnesota Lakes Bank has an opening for a Credit Analyst. The primary responsibilities include analyzing and investigating credit information; preparing written loan presentations for routine and complex credit requests; and providing assistance to business bankers as requested. The applicant should possess strong communication and computer skills. Salary & Benefits Salary Range: $50,000-$75,000 per year. Benefits include health, dental, vision & life insurance, long & short-term disability, 401(k), paid holidays & paid time off. Responsibilities Maintain the bank’s analysis software in order to provide overall support and assistance to lenders in the financial analysis process. Review incoming financial statements and update or complete financial spreads. Perform complete credit analysis for routine and complex credit requests. Provide written financial statement analysis for credit presentations, file comments, and annual reviews. Manage the future maturity list to ensure credits are renewed timely. Maintain the report of reviews due and work with lenders to keep comments current. Complete periodic reviews of file quality for participation portfolio. Monitor and report on specialized portfolios. Prepare modified credit presentations on new and renewing loans requiring Loan Committee approval, including exposure summary, financial and cash flow analysis, collateral analysis, covenant and risk rating review. Manage the appraisal process: place appraisals for bid with approved appraisers, select appraiser and complete engagement letter, track appraisal status, and communicate with appraiser and lender on status. Complete review of residential appraisals. Regularly interact with borrowers and accountants to obtain information relevant to the analysis. Assist lenders with policy compliance, loan structuring, and general underwriting. Assist lenders in identifying cross-selling opportunities. Understand the bank’s internal loan policy and remain current with revisions and exceptions to the policy. Perform other job-related duties or special projects as assigned. Requirements Bachelor’s degree in business, finance, or accounting (preferred). Two to five years of experience as a credit analyst or relevant experience in a position utilizing similar analytical skills. Deadline 07/31/2026 #J-18808-Ljbffr