Job Details


Northern State Bank of Virginia Location: Virginia, MN Job Title: Credit Analyst Overview: 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. Responsibilities: • 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 Requirements: • 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 Deadline: 07/01/2022 How to Apply: For more information or to apply, email resume to brianas@nsbov.com: 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.

Northern State Bank of Virginia

Location:
Virginia, MN

Job Title:
Credit Analyst

Overview:
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.

Responsibilities:
• 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

Requirements:
• 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

Deadline:
07/01/2022

How to Apply:
For more information or to apply, email resume to brianas@nsbov.com: 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.