Senior Credit at South Saint Paul, Minnesota

Senior Credit Analyst

A large, member-owned agricultural enterprise serving producers, cooperatives, and commercial partners is seeking a Senior Credit Analyst to join its enterprise finance division. The organization operates across domestic and international markets, supporting sectors tied to agriculture, commodities, food systems, and energy. With employees located across multiple countries, the company focuses on building long-term partnerships and delivering financial and operational support throughout the agricultural supply chain.

An opportunity is available within the corporate credit function for an experienced finance professional specializing in distressed assets and portfolio risk management. This role will primarily support retail-related credit exposure and an affiliated financial services business.

The ideal candidate is highly organized, capable of balancing competing priorities, and comfortable working in a fast-paced environment. Strong analytical ability, attention to detail, communication skills, and the capacity to work independently while collaborating across teams are essential for success in this role. Candidates located within commuting distance of the Minneapolis-Saint Paul area are preferred for a hybrid work arrangement, though remote consideration may be available for exceptional applicants.

Key Responsibilities

• Conduct detailed reviews of customer financial statements, collateral positions, and overall credit exposure to evaluate repayment capability and risk levels.
• Identify potential areas of financial concern and recommend appropriate risk mitigation strategies.
• Collaborate with customers, lending personnel, and internal business stakeholders to collect and assess operational and financial data.
• Ensure adherence to internal lending standards, policies, and regulatory guidelines.
• Monitor market conditions and portfolio performance, providing regular updates on emerging risks.
• Review legal loan documentation, collateral structures, and security interests associated with commercial lending relationships.
• Develop and execute recovery strategies for troubled or delinquent accounts, including restructures, workouts, liquidations, and recovery plans.
• Engage directly with borrowers experiencing financial difficulties to negotiate practical resolution strategies.
• Coordinate with external professionals such as legal counsel, asset liquidation specialists, commercial managers, and real estate representatives to maximize recovery outcomes.
• Travel periodically to customer locations or collateral sites as needed.
• Prepare recurring portfolio and risk reports for leadership teams.
• Support operational improvement initiatives aimed at increasing efficiency and strengthening internal processes.
• Carry out additional responsibilities as assigned.

Required Qualifications

• High school diploma or equivalent.
• Minimum of four years of experience in credit analysis, accounting, finance, commercial lending, or a related discipline.

Preferred Qualifications

• Bachelor's degree in finance, accounting, economics, business administration, statistics, or a comparable field.
• Familiarity with agricultural lending or agribusiness operations.
• Knowledge of secured lending structures, including UCC filings and agricultural liens.
• Strong working knowledge of Microsoft Office applications, particularly Excel, Word, Outlook, and PowerPoint.

Employment may be contingent upon successful completion of applicable pre-employment screening processes, which could include background checks, drug testing, driving record review, physical assessments, or other industry-standard evaluations depending on the position requirements. Compensation and benefits may include competitive salary, incentive opportunities, retirement plans, healthcare coverage, wellness programs, paid leave, disability protection, tuition support, and other employee assistance programs. Compensation is determined based on factors such as experience, education, certifications, and market considerations.

The employer is committed to providing equal employment opportunities to all qualified applicants and employees, including veterans and individuals with disabilities.