Commercial Credit Analyst

Description

Coulee Bank is seeking a Commercial Credit Analyst who will be responsible for analyzing and interpreting financial data to evaluate financial health, creditworthiness, and risk levels to determine appropriate credit ratings and assist in lending decisions for new and existing business customers. The Credit Analyst is expected to create client proposals, maintain client files, provide technical and practical problem solving and specialized support services to bank customers and staff.  

Coulee Bank offers a flexible hybrid work model. This position is expected to work in office three (3) days per week with the potential to work remotely up to two (2) days per week.

The ideal candidate will be able to report to one of the following Coulee Bank locations:

• Minnesota: Minnetonka or St. Paul
• Wisconsin: La Crosse or Onalaska

Requirements

Why Work for Coulee Bank?

Coulee Bank is a family-owned community bank with a long-standing tradition of excellent service with strong roots within the communities we serve. Our mission is simple: Doing the Right Thing for Our Clients & Colleagues.

• Generous Compensation and Benefits Package
• 10 Paid Holidays a Year
• 19 PTO Days a year
• 401K Match
• Profit Sharing
• $100 Coulee Clothing Attire
• Tuition Reimbursement
• Paid Volunteer Time

Build a Career in the Financial Industry with Pathways for Advancements.

We recognize that our success is based on the quality and dedication of our team members. That's why we will continually invest in your growth by providing ongoing training and professional development opportunities that deepen your skills and optimize your expertise in the financial industry.

A Day in the Life of a Credit Analyst:  

• Provides consistent superior customer service in a friendly, efficient and accurate manner.
• Spreads financial statements and assists in the preparation of risk rating analysis of credits with guidance and assistance.
• Assists in the preparation of loan presentations for new and renewal credit requests in an accurate and timely manner. Loan presentations include summary of requests, financial analysis, collateral coverage analysis determination of risks and mitigating factors. 
• Communicates with bank customers when necessary to gather information needed to underwrite credit requests.
• Accompanies loan officers on business development and client calls, on an as needed basis, to aid in meeting the Bank’s goals for loan and deposit growth on a requested basis.
• Performs appraisal reviews to substantiate and verify the value, as well as determine if the appraisal/appraiser meets USPAP requirements, in an accurate and timely manner.
• Prepares internal evaluations of commercial collateral property to affirm or re-affirm the Bank’s collateral position.
• Assists in completion of regulatory reporting.
• Acts as liaison with bank regulators, bank senior management, internal and external auditors and operations on a regular basis and as assigned as it relates to the bank’s financials and regulatory requirements in a courteous and timely manner.
• Maintains current knowledge of federal and state regulations pertinent to this position.
• Communicates with other Bank departments to assist in answering questions and resolving issues in a friendly and timely manner.
• Ensures confidentiality of bank and customer service data.
• Maintain proficiency in using all applicable software to this position.
• Act as a project contact as requested.
• Performs other duties and responsibilities as assigned.

 This position description does not list all the duties of the position. You may be asked by supervisors or managers to perform other duties. You will be evaluated in part based upon your performance of the tasks listed in this position description. The employer has the right to revise this position description at any time. The position description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason, without notice.

General Standards of Performance: 

•  To be successful in this role, you will have a minimum of two years of commercial credit analyst experience. Desire to have a BS degree in Accounting, Finance or Business Administration or equivalent years of experience. 
• Strong written and oral communications skills that will help you to listen and identify customer’s financial needs to better support their financial growth. 
• Problem-solver that is not afraid to make a decision and is able to take initiative without being asked. 

Knowledge & Technical Skills

• Basic understanding of: 
  • Financial statements (balance sheet, income statement, cash flow)
  • Business or personal tax returns
  • Credit risk concepts and underwriting basics
  • Collateral evaluation and loan structures
• Proficiency with: 
  • Microsoft Office: Strong in Excel (financial formulas, spreadsheets, analysis tools)
  • Banking/loan analysis software :CreditQuest and Financial Analyzer (Finastra products) or similar software experience.

 The likely salary range for this position is $60,000 - $83,000 annually, this is however, not a guarantee of compensation or salary. Salary will be determined based on experience and could fall outside of this range.  

Salary : $60,000 - $83,000