Commercial Credit Analyst jobs in Minot, ND

Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Credit Analyst
  • The Union Bank
  • Beulah, ND FULL_TIME
  • Position Summary

    A credit analyst gathers and reviews financial data about loan applicants, including their payment habits and history, earnings and savings, and spending patterns. The credit analyst then recommends approval or denial of the loan. The credit analyst will also prepare reports with credit information for use in decision making. The procedure involves evaluating the risks and initiating background research on the customer. The analyst must perform due diligence on rating the credit of the borrower.

    Essential Duties and Responsibilities

    · Work with lenders to ensure they have provided the required financial information and loan request details for the credit analyst to analyze the loan requests.

    · Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence to determine creditworthiness.

    · Aid in preparation of credit displays and pointing out strengths and weaknesses of loan requests.

    · Keep up to date with the company’s lending protocols

    · Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay

    · Utilize the Union Bank’s risk rating scale and derive rating recommendations based on the analyzed financial information.

    · Work with Lenders and CCO on various questions that arise in the review of available financial information.

    · Note discrepancies to the credit policy.

    · Help streamline the credit requests.

    · Identify known technical exceptions for lenders to obtain information.

    · Assist the CCO in various credit portfolio special projects such as internal real estate evaluations, assisting in new software input, along with various other projects.

    · Overall streamlining of the credit request process, helping the Union Bank provide the desired turnaround timeline of loan requests.

    Job Type: Full-time

    Benefits:

    • 401(k)
    • 401(k) matching
    • Dental insurance
    • Flexible schedule
    • Health insurance
    • Health savings account
    • Paid time off
    • Vision insurance

    Schedule:

    • 8 hour shift
    • Monday to Friday

    Application Question(s):

    • Do you currently live in ND?

    Ability to Relocate:

    • Beulah, ND 58523: Relocate before starting work (Required)

    Work Location: In person

  • 3 Days Ago

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Agricultural Credit Analyst
  • Ag Jobs
  • Williston, ND FULL_TIME
  • MAJOR FUNCTION:This position will serve as the loan analyst for agriculture credits. This will include loan analysis, preparing the credit analysis on loans presented to the loan committee and prepari...
  • Just Posted

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Agricultural Credit Analyst
  • American State Bank & Trust Company
  • Williston, ND OTHER
  • Description: MAJOR FUNCTION: This position will serve as the loan analyst for agriculture credits. This will include loan analysis, preparing the credit analysis on loans presented to the loan committ...
  • 3 Days Ago

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Ag/Commercial Loan Officer
  • North Star Community Credit Union
  • Maddock, ND FULL_TIME
  • Job DescriptionJob DescriptionRole: To originate, manage, and supervise the Credit Union's portfolio of commercial loans, with overall objective ofmaintaining and increasing its asset quality; to deve...
  • 2 Days Ago

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Credit Technician
  • AgCountry Farm Credit Services
  • Minot, ND FULL_TIME
  • Closing Date: 10/11/2023 7pm CT Primary Duties and Responsibilities: Assists and supports loan officers in gathering thorough and complete financial information from customers in a timely and efficien...
  • 2 Days Ago

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Insurance specialist
  • Farm Credit
  • Minot, ND FULL_TIME
  • Insurance Specialist / Sr Insurance Specialist Minot, ND office preferred. Flexible on work location for the right candidate. MAJOR RESPONSIBILITIES Develops and maintains a thorough understanding of ...
  • 1 Month Ago

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0 Commercial Credit Analyst jobs found in Minot, ND area

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Support Representative - Work From Home>
  • AnalyticOwl
  • Minot, ND
  • [Call Center / Remote] - Anywhere in U.S. / $40K per year / Medical, dental & vision / PTO / 401k - As a Support Rep you...
  • 3/29/2024 12:00:00 AM

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Customer Service Agent - Graveyard Shift (Work From Home)>
  • American Logistics
  • Minot, ND
  • [Call Center / Fully Remote] - Anywhere in U.S. / Competitive Pay / Medical, Dental, Vision / PTO / 401K - As a Customer...
  • 3/29/2024 12:00:00 AM

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Team Member>
  • Burger King
  • Minot, ND
  • [Crew Member / Food Service] As a Team Member at Burger King you'll: Greet guests with a smile while receiving orders an...
  • 3/29/2024 12:00:00 AM

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FT Customer Service Representative (Work From Home)>
  • Guild Mortgage Company
  • Minot, ND
  • [Customer Support / Fully Remote] - Anywhere in U.S. / Up to $23 per hour / Medical, dental, vision, & life / 401k match...
  • 3/29/2024 12:00:00 AM

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Omnichannel Associate>
  • J. C. Penney
  • Minot, ND
  • J. C. Penney - Dakota Square 2400 10th St SW [Retail Sales / Team Member] As an Omnichannel Associate at J. C. Penney, y...
  • 3/29/2024 12:00:00 AM

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Cashier>
  • J. C. Penney
  • Minot, ND
  • J. C. Penney - Dakota Square 2400 10th St SW [Retail Cashier / Team Member] As a Cashier at J. C. Penney, you'll: Greet ...
  • 3/29/2024 12:00:00 AM

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FT Call Center Representative (Work From Home)>
  • Lap of Love
  • Minot, ND
  • [Customer Service / Remote] - Anywhere in U.S. / Up to $17 per hour / Medical, Dental & Vision / 401k with company match...
  • 3/29/2024 12:00:00 AM

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Accountant I
  • First Western Bank & Trust
  • Minot, ND
  • Job Description Job Description First Western Bank & Trust has a full-time opening for an Accountant I. Accountant I Ben...
  • 3/27/2024 12:00:00 AM

Minot (/ˈmaɪnɒt/ (listen) MY-not) is a city in and the county seat of Ward County, North Dakota, United States, in the state's north-central region. It is most widely known for the Air Force base located approximately 15 miles (24 km) north of the city. With a population of 40,888 at the 2010 census, Minot is the fourth largest city in the state and a trading center for a large portion of northern North Dakota, southwestern Manitoba, and southeastern Saskatchewan. Founded in 1886 during the construction of the Great Northern Railway, Minot is also known as "Magic City", commemorating its remar...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$50,583 to $66,224
Minot, North Dakota area prices
were up 0.8% from a year ago

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