Northern State Bank of Virginia

Virginia, MN

Job Title:
Credit Analyst

The Credit Analyst is an integral part of the lending team and the success of the lending process. The Credit Analyst is responsible for conducting credit analysis including: gathering, analyzing financial information, spreading financial statements and tax returns, and interpreting all types of credit information on existing and prospective customers and portfolios.

• Spread and analyze financial statements and tax returns for new loan presentations. Analyze cash flow and prepare credit risk reviews for existing credit relationships • Provide loan pricing recommendations, associated risk rating, and repayment structure on new loans. Determine collateral value and perfect security interests • Perform analysis of borrower’s business and global cash flow • Highlight the borrower’s key financial trends and ratios • Prepare credit file content and organization to maintain compliance with bank policies and procedures • Effectively coordinate and prioritize multiple tasks while working on loan pipeline • Active in new business development • Actively participate in community events and civic organizations • Perform other related duties as assigned • Ensure compliance with banking regulations and bank policies

• Bachelor’s degree in business, finance, or professional experience in related fields • High degree of integrity and drive for excellence • Ability to coordinate complex activities and prioritize conflicting demands and deadlines • Strong analytical and financial analysis skills • Strong verbal and written communication skills; ability to express ideas in a clear and concise manner • Proficiency with Microsoft Office products


How to Apply:
For more information or to apply, email resume to Northern State Bank of Virginia, Attn: Briana Sterle, 600 Chestnut Street, Virginia MN 55792 • Northern State Bank of Virginia is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities. MEMBER FDIC, EQUAL HOUSING LENDER, NMLS 440572.