Commercial Credit Analyst

Job TitleAssist the SVP/Director of Commercial Lending and Commercial Loan Officers with the preparation of loan presentations, annual loan reviews, problem loan worksheets and analytical evaluations. Prepare questions based on analytical review of financial information and may accompany Commercial Loan Officers on member business calls to gather pertinent information for the completion of reviews. Prepare risk rating worksheets, loan upgrades/downgrades and assists the SVP/Director of Commercial Lending in assuring loan presentations, documentation, and file content is consistent and meets regulatory and credit union loan policy and procedural requirements. Request information from members, as needed, to assist in maintaining the integrity of legal and technical financial requirements.What You'll Bring:Bachelor's degree, preferably in Business, Accounting or Finance, or equivalent work experience.5+ years of experience in accounting, finance or a financial institution related position.5+ years of experience in a business lending environment, preferred.PC skills including a strong working knowledge of Microsoft Word, Excel and Outlook.Strong verbal and written communication skills.Ability to work independently while displaying initiative and decision making skills.Ability for local travel that may be necessary in order to conduct site visits.Maintains awareness of enterprise compliance requirements, including Bank Secrecy Act (BSA/AML) obligations, and follows internal policies and escalation protocols as applicable.Ability to pass a pre-employment drug test and various background checks.Regular and reliable attendance at the workplace.Who We Are:TruStone Financial is a member-owned credit union offering comprehensive, straightforward, and competitive financial solutions designed to support our members' financial health. Established in 1939 by a group of teachers, TruStone Financial has grown into Minnesota's second-largest credit union. With over 550 dedicated employees, we serve more than 200,000 members across 23 branches in Minnesota and Wisconsin. Our vision is to deliver exceptional financial experiences, and to achieve this, we need exceptional people! Join our expanding team and help us fulfill our mission to engage, educate, and inspire members toward lifelong financial well-being.What We Offer:Competitive pay and incentive programs for all positions.Health insurance with the ability to choose which plan option is best for you – a Traditional Health Plan or Health Savings Plan.Affordable dental and vision insurance coverage.Earn 22 days of paid time off annually for full-time employees with an equivalent accrual for part-time employees – and, the longer your tenure, the more PTO you'll have to enjoy.10+ paid holidays each year.Up to 16 hours of paid time annually to volunteer for organizations you are passionate about.401(k) with 50% employer match on the first 6% you contribute – plus, after one year of service, an additional 3% safe harbor employer contribution that is immediately 100% vested regardless if you are contributing or not.Eligibility for profit sharing opportunities in the form of a contribution to your 401(k) account.Employer-paid Short Term and Long Term Disability benefits.Employer-provided life insurance up to 2.5x your base salary with the option to purchase additional coverage for yourself, spouse and eligible dependents.Reimbursement for higher education expenses of up to $5,250 per calendar year (including tuition, books and activity fees).Career development opportunities – including our STEP job shadow program, TruStone Academy certification courses, Mentorship Program and more.Special employee discounts when you join TruStone Financial as a credit union member.Employee activities, events, discounts, and many other great benefits and perks!TruStone Financial Credit Union is an Affirmative Action and Equal Opportunity Employer of Protected Veterans, Individuals with Disabilities and all Protected Classes.