SUMMARY:

This position contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for the Bank. This position may have an alternative location to work from.

This position assists and supports the Commercial Lending team by compiling and analyzing financial and credit information of new and existing clients. This role will be responsible for preparing credit presentations for new money advances, renewals, and annual reviews. Underwriting will be for both commercial loans and commercial real estate loans. This position will focus primarily on the loan portfolio of $500,000 and below.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following, other duties may be assigned.

• Analyze financial statements (includes but not limited to identification of trends, interpretation of financial ratios & significant changes and determination of repayment capacity);
• Work closely with commercial lenders in preparing credit presentations for new advance, renewal and annual review requests; Identifies exceptions to credit policy and violation of financial/other covenants on all credit displays; Offer suggestions as to a responsible loan/covenant structure.
• Spread historical and forecasted financial statements; Notify manager and commercial lender of any perceived deterioration in borrowers’ financial performance in a prompt manner.
• Maintain the confidentiality of all customer and bank information.
• Perform other assigned duties:
• Reviewing construction draw requests
• Involved in the loan bidding/purchase process of BHG transactions.

JOB SPECIFICATIONS

• Bachelor’s degree in Business, Finance, or related field and three to five years of commercial credit analysis or related banking experience.
• Ability to prepare detailed and accurate credit presentations in an orderly and timely manner.
• Knowledge of commercial collateral documentation (Preferred).
• Strong customer service and interpersonal skills.
• Proficient in the use of MS Word & Excel and the bank’s financial spread/loan tracking System.
• Detail oriented
• Good verbal and written communication skills
• Ability to prioritize work and meet high-pressure deadlines.
• Maintains a high level of bank compliance and regulatory knowledge.
• Job is performed independently.

Highland Bank specializes in meeting the unique needs and business objectives of growing businesses, their customers, their employees and their owners. We strive to put our customers first, make banking easy and get the job done. Founded in 1943, Highland Bank manages $639 million in assets and serves its customers with 90+ knowledgeable and experienced employees in five locations: Bloomington, Maple Grove, Minnetonka, St. Michael, and St. Paul. Highland Bank is also proud to have been designated as a Preferred Lender by the Small Business Administration (SBA), one of a handful of banks in Minnesota to have earned this select designation.

Highland Bank is comprised of experienced, highly motivated, creative and intelligent bankers. We are recognized as a leader in our chosen markets for the way we meet customer needs and our financial performance. We operate under a shared vision that encourages our employees to effectively deliver our services and grow professionally, personally, and financially.

Interested parties may also apply online at Highland Bank’s website www.highland.bank. Please specify Credit Analyst during the application process. No phone calls please.

Highland Bank. Your Business. Our Bank.

EOE

Job Type: Full-time

Pay: $65,000.00 - $87,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Application Question(s):

• Please describe what prompted you to apply for this position.
• Please include any salary requirements.

Education:

• Bachelor's (Preferred)

Work Location: One location

Please Note :
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