Job Overview
We are seeking a dynamic and detail-oriented Commercial Loan Review / Credit Analyst to join our team in the metro area. This pivotal role involves evaluating and analyzing commercial loan portfolios to ensure sound credit practices, mitigate risks, and support strategic lending decisions. The ideal candidate will possess a strong foundation in financial analysis, risk assessment, and credit underwriting, with a passion for maintaining the integrity of financial services. Join us to play a vital role in safeguarding our organization’s financial health while advancing your career in a fast-paced, rewarding environment.

Duties

• Conduct comprehensive reviews of commercial loan files, including financial statements, cash flow analyses, and collateral documentation to assess creditworthiness.
• Perform detailed risk analysis and underwriting to identify potential issues and recommend appropriate actions.
• Utilize financial modeling and quantitative research techniques to forecast borrower performance and evaluate loan viability.
• Collect and analyze data from various sources to support credit decisions and ensure compliance with regulatory standards.
• Prepare clear, accurate financial reports and summaries that communicate findings effectively to stakeholders.
• Engage in negotiation with clients and internal teams to facilitate favorable loan terms while managing risk exposure.
• Monitor ongoing loan performance through portfolio management practices, identifying early warning signs of potential default or fraud.

Requirements

• Proven experience in financial analysis, credit analysis, or loan review within financial services or banking sectors.
• Strong understanding of financial concepts such as cash flow analysis, risk assessment, and financial modeling techniques.
• Proficiency with financial software tools and banking systems used for loan processing and portfolio management.
• Excellent math skills with the ability to interpret complex quantitative data and conduct forecasting accurately.
• Knowledge of technical accounting principles, mortgage servicing processes, and fraud prevention strategies is preferred.
• Ability to communicate complex financial information clearly through written reports and verbal presentations.
• Demonstrated skills in negotiation, data collection, underwriting, and risk analysis are essential for success in this role. Join us as a Commercial Loan Review / Credit Analyst to leverage your expertise in financial analysis while contributing to the stability and growth of our lending portfolio. We value energetic professionals who thrive on challenge and are eager to make an impact through meticulous evaluation and strategic decision-making!
• Monday-Friday 8am-5pm
• Application Procedures:

******* If you feel your qualifications meet the above requirements, we invite you to officially apply by sending a Cover Letter and Resume to recruiting1MN@premierbanks.com in the subject line please include the Job Title you are applying for. If you are unable to apply via email, please mail your Cover Letter and Resume to Premier Bank Minnesota, ATTN Recruiting ******

Pay: $50,000.00 - $75,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Profit sharing
• Vision insurance

Work Location: In person