Village Bank · 18 hours ago
Senior Credit Analyst
Saint Francis, MN, US
Full-time
Onsite
Senior Level
$72K/yr - $100K/yr
5+ years expVillage Bank is a trusted community banking partner dedicated to empowering individuals and businesses. They are seeking a talented Senior Credit Analyst to support lending operations by completing commercial credit presentations and providing detailed credit underwriting support.
BankingCommercialFinancial Services
Responsibilities
Analyze credit data and financial statements to evaluate borrower risk
Spread financial statements and tax returns for accurate financial representation
Complete reviews of third-party reports (appraisals, valuations, environmental assessments)
Review credit files to ensure current financial information, uniform organization across bank locations and compliance with state, federal and internal policies
Determine collateral valuations to ensure adequate security for the bank
Perform discounted cash flow valuations and verify appraisal valuations
Provide technical assistance to lenders as needed
Assist customers and bank staff with all aspects of the commercial loan process
Offer recommendations on loan policies and processes as appropriate
Maintain and develop credit department reports as requested
Assist in developing procedures, templates, spreadsheets to improve the credit process
Qualification
Required
At a minimum, an associate's degree in accounting or related field
5+ years of business loan underwriting or credit analysis experience
Knowledge of related state and federal banking regulations and other bank operational policies
Knowledge of bank policies and procedures along with Bank products and services offered
Exceptional oral, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions, instruct others, interpret documents, understand procedures, write reports and correspondence and speak clearly to customers and employees
Commitment to providing superior customer service to internal and external customers, always demonstrating professionalism and confidentiality
Ability to develop and maintain positive working relationships to collaboratively achieve Bank goals
Ability to work with limited supervision while performing duties
Must have a reasonable commute to either Ramsey, East Bethel, St. Francis or Blaine due to in-office requirements
Benefits
Comprehensive benefit plans including medical, dental, vision, disability, HSA match, FSA, and more.
401(k) plan with a company match of up to 4%.
Generous PTO and paid holidays.
Paid volunteer time. Volunteering in the community is woven into our culture so we support and encourage giving back!
Company
Village Bank
Village Bank is a family-built community bank that provides financial and mortgage services.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Anthony Page
Chief Financial Officer
Kelly Klopotek
Chief Experience Officer
Company data provided by crunchbase