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Commercial Credit Analyst
Commercial Credit AnalystFirst International Bank & Trust • Edina, Minnesota, USA
Commercial Credit Analyst

Commercial Credit Analyst

First International Bank & Trust • Edina, Minnesota, USA
[job_card.variable_days_ago]
[job_preview.job_type]
  • [job_card.full_time]
[job_card.job_description]

First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazines 50 best places to work.

At First International Bank & Trust we believe in building lasting relationships through sound financial decisions and personalized service. Were seeking a Commercial Credit Analyst who thrives on analyzing financial data assessing credit risk and supporting our commitment to responsible lending. If youre detail-oriented collaborative and passionate about helping businesses grow we invite you to join our team.

Compensation : $40 - $55 / hr

Key Responsibilities :

  • Spread and analyze commercial financial statements for C&I (Commercial & Industrial) and CRE (Commercial Real Estate) loans.
  • Evaluate borrower risk and recommend appropriate loan structures for transactions exceeding $.
  • Utilize systems such as Abrigo Sageworks to assess credit quality and streamline analysis.
  • Build and maintain financial models to project cash flows and assess repayment capacity.
  • Prepare comprehensive loan presentations comment sheets and annual reviews for credit committees.
  • Collaborate with loan officers by attending client and prospect calls to provide financial insights and strengthen relationships.
  • Provide guidance and training to team members on credit analysis best practices.
  • Participate in ongoing training and contribute ideas for process improvement.

Position Competencies :

  • Strong analytical skills with the ability to gather and interpret financial data.
  • Exceptional attention to detail and organization.
  • Clear and informative written communication.
  • Ability to prioritize tasks and manage time effectively.
  • Qualifications :

  • Bachelors Degree in Accounting Finance Economics or related field; 3-5 years of experience in credit analysis or commercial lending with exposure to large scale deals ($15MM) or an equivalent combination of education and experience.
  • Proficiency in reading and interpreting financial statements including balance sheets income statements and cash flow statements.
  • Experience using Abrigo Sageworks or similar credit analysis systems.
  • Demonstrated ability to build financial models and project future cash flows.
  • Applied underwriting principles to structure loans effectively.
  • We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package :

  • Health Dental & Vision
  • 401K Retirement Plan with Employer Match
  • Paid Parental Leave
  • Life and Disability Insurance
  • Generous PTO and Holiday pay
  • If you are interested in learning more you can apply or if you have questions before applying you can reach out directly at .

    Equal Opportunity Employer

    Required Experience :

    IC

    Key Skills

    Financial Statement Preparation,Credit Analysis,Cash Flow Analysis,Math,Banking,Analysis Skills,UCC Law,Underwriting,Financial Analysis,Financial Modeling,Financial Report Interpretation,Word Processing

    Employment Type : Hourly

    Experience : years

    Vacancy : 1

    Monthly Salary Salary : 40 - 55

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