Credit Analyst

Position Overview

The Credit Analyst is responsible for analyzing financial information, assessing credit risk, and providing recommendations that support decision-making across consumer, agricultural, and commercial portfolios. This role partners closely with internal teams and leadership to ensure consistent, data-driven decisions aligned with North Star’s standards.

What You’ll Do

• Analyze financial statements, tax returns, and credit reports to assess risk
• Prepare detailed credit presentations and recommendations for financing requests
• Evaluate cash flow, debt service coverage, collateral, and overall financial strength
• Monitor existing relationships and identify emerging risks
• Partner with internal stakeholders to structure solutions that balance member needs with sound risk management
• Ensure compliance with internal policies and regulatory requirements
• Support portfolio reporting, trend analysis, and overall credit quality reviews

What You Bring

• Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience)
• 3+ years of experience in credit analysis, financial services, or related field preferred
• Strong understanding of financial statements and cash flow analysis
• Ability to interpret and communicate complex financial data clearly
• High attention to detail and strong organizational skills
• Proficiency in Microsoft Excel and financial analysis tools
• Ability to work collaboratively and manage multiple priorities

Why Join North Star

• Be part of a team that puts members first
• Contribute to meaningful financial decisions that impact local communities
• Collaborative, supportive culture focused on growth and development
• Opportunities to expand your knowledge across diverse areas of financial services