Christian Investors Financial (CIF) · 1 day ago
Credit Analyst
Mendota Heights, MN
Full-time
Onsite
New Grad, Entry LevelChristian Investors Financial is committed to providing faith-based financial solutions that serve to advance God’s Kingdom. As a Credit Analyst, you will perform comprehensive credit analysis and underwriting, providing assessments and recommendations regarding the creditworthiness of borrowers.
ConsultingFinancial ServicesLendingWealth Management
Responsibilities
Perform credit analysis, risk, underwriting, and overall assessment reviews as assigned and in collaboration with internal team members in support of CIF’s Organizational Vision and Values. Including:
Analyzes and evaluates the financial condition of both potential and current borrowers; reviewing completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including both strengths and weaknesses pertaining to a borrower’s current and historical financial condition
Interacts and communicates with both potential and current borrowers as appropriate to obtain answers to additional questions/clarifications, and also supplementary information required to complete the assessment
Prepares and presents overall credit assessments and recommendations, which include detailed financial statement analysis, giving and attendance trends, various organization/economic/market factors, project information if a construction credit, and in-depth analysis of the secondary sources of repayment such as collateral
Interacts and collaborates with Business Development and Loan Committee members; communicates, presents and answers questions regarding prior approved credits and those outstanding and in need of approval
Drafts and processes approved a preliminary and formal commitment to lend agreements, as well as preparation and processing of various related loan agreements, amendments, modifications, and other changes to original terms
Monitors and reviews certain identified and prioritized post-closing existing credits within the loan portfolio as needed; including monitoring of property insurance and collateral and the review and credit risk analysis of reported/discovered changes in borrower circumstances and their potential impact on prior credit assessments
Perform other duties as needs arise, including support and contributions towards CIF strategic initiatives to enhance operational effectiveness and customer experience
Qualification
Required
Committed, personal relationship with Jesus Christ
Sufficient analytical (both quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties, and to complete and provide evaluations and recommendations
Strong organizational, time management, interpersonal communication (both written and verbal), and attention to detail skills to perform duties and complete work with the necessary completeness, accuracy, and efficiency
Preferred
Bachelor's degree in Finance, Accounting, or related Business concentration
Experience or training in a customer service-oriented setting
Familiarity and experience with reviewing and analyzing organizational financial statements
Previous experience within a banking, credit union, or financial services environment
Benefits
Competitive Salary
Excellent Benefits
Company
Christian Investors Financial (CIF)
For more than 60 years, Christian Investors Financial (CIF) has provided investors with impactful opportunities and aided churches with the funds and services to expand God's kingdom.
Founded in 1959
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase