CorTrust Bank

Brooklyn Park, MN

Job Title:
Credit Analyst

The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing up loan requests; promotes business for the Bank by maintaining good customer relations.

• Analyze current, historical and projected financial condition and repayment capacity of a variety of operating companies. • Research and assess credit risk thoroughly with little direction from a supervisor. • Provide a detailed and concise summary to assess credit risk and provide input as to the quality of the credit. • Recommend loan structure, pricing, and additional credit facilities available for up sell to the lender. • Prepare, spread, and analyze financial statements and tax returns. • Prepare and present credit presentations to Loan Officers and Loan Committee for use in the making of lending decisions on new, renewal, annual review, and extension loans. • Provide various board reports or support. • Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

• Experience in analyzing financial statements and tax returns. • Analytical – Synthesizes complex or diverse information; collects and researches data. • Problem Solving – Gathers and analyzes information skillfully; Develops alternative solutions. • Written and Oral Communication – Writes and speaks clearly and informatively; presents numerical data effectively; able to read and interpret written information. • Quality - Demonstrates accuracy and thoroughness. • Organizational Support – Follows policies and procedures. • Judgment – Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; makes timely decisions. • Professionalism – Reacts well under pressure; accepts responsibility for own actions; follows through on commitments. • Quantity – Meets productivity standards; completes work in a timely manner, works quickly. • Possesses combination of education and experience to perform primary duties of position. • Adaptable to system, process, product and service changes. • Effective and efficient planning, organizational, technological and time management skills. • Ability to demonstrate organizational commitment through advocacy in the community, customer experience and co-worker relationships. • Ability to reason, problem solve and think critically. • Ability to effectively convey thoughts, ideas and information clearly and concisely. • Possesses strong understanding of financial services. • Demonstrates high level of integrity, personal diplomacy and ability to foster culture of mutual respect.


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