Gate City Bank ยท 1 day ago
Senior Business Lending Credit Analyst
Fargo, ND
Full-time
Onsite
Senior Level
5+ years expGate City Bank is a financial institution seeking a Senior Business Lending Credit Analyst to ensure the soundness of their business loan portfolio. The role involves conducting credit analyses, managing business loan pipelines, and providing support to the retail office network regarding Business Lending.
BankingFinancial Services
Responsibilities
Analysis of complex and larger credit requests
Review of commercial appraisals and environmental studies
Train new Credit Analysts and Business Bankers
Manage business loan pipeline and disburses loan requests between Credit Analysts
Analyze credit requests (credit quality, financial analysis, collateral valuation, etc.), develop loan structure, terms, rates, and credit grades as required by Bank policy on new and renewal business purpose loans and makes recommendations accordingly. Provide timely, accurate, and informative credit presentations
Follow up with the retail offices to ensure prompt receipt of necessary documentation from business loan applicants to process credit requests
Assess the quality of existing business loans/lines by completing an annual review (credit quality, financial analysis, collateral valuation, etc.), including proposing any credit grade changes of each business loan/line file as required by Bank policy, per predetermined schedule
Provide support, direction, and guidance to the retail office network regarding Business Lending
Participate in the completion of the Business Home Equity Line of Credit and High LTV Equity Loan Audits
Work closely with the Business Banking Department on quality control audit functions
Assist the Personal Lending and Mortgage Lending Underwriters in the analysis of income for self-employed borrowers when feasible
Provide a 'Wow' customer service experience for team members and customers
Develop and maintain productive relationships with team members, leaders, customers, and vendors
Prompt and reliable attendance is essential in order to provide expected levels of service
Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations
Must be detailed-oriented and maintain high degree of accuracy
Ability to make decisions in a fast-paced environment
Qualification
Required
Bachelor's degree (B.A.) in Accounting, Finance or related program
5 years financial analysis, accounting, or business lending experience
Strong oral and written communication skills
Interpret and use data for decision making
Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations
Must be detailed-oriented and maintain high degree of accuracy
Ability to make decisions in a fast-paced environment
Company
Gate City Bank
Gate City Bank is a bank that offers banking and wealth management services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Kevin Hanson
President & CEO
Chris Lee
CFO
Recent News
2025-03-19
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2025-01-22
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