Credit Analyst II

About the role

Assist the SVP/Director of Commercial Lending and Commercial Loan Officers with the preparation of loan presentations, annual loan reviews, problem loan worksheets, and analytical evaluations. Prepare questions based on analytical review of financial information and may accompany Commercial Loan Officers on member business calls to gather pertinent information for the completion of reviews. Prepare risk rating worksheets, loan upgrades/downgrades, and assist the SVP/Director of Commercial Lending in assuring loan presentations, documentation, and file content is consistent and meets regulatory and credit union loan policy and procedural requirements. Request information from members, as needed, to assist in maintaining the integrity of legal and technical financial requirements.

Requirements

• Bachelor’s degree, preferably in Business, Accounting, or Finance, or equivalent work experience.
• 5+ years of experience in accounting, finance, or a financial institution-related position.
• 5+ years of experience in a business lending environment (preferred).
• Strong PC skills, including proficiency in Microsoft Word, Excel, and Outlook.
• Strong verbal and written communication skills.
• Ability to work independently while displaying initiative and decision-making skills.
• Availability for local travel to conduct site visits as necessary.
• Maintains awareness of enterprise compliance requirements, including Bank Secrecy Act (BSA/AML) obligations, and follows internal policies and escalation protocols.
• Ability to pass a pre-employment drug test and various background checks.
• Regular and reliable attendance at the workplace.
• Availability to work 40 hours per week, Monday through Friday, between 8:00 AM – 5:00 PM at the Plymouth Corporate Office location (exempt).

About us

TruStone Financial is a member-owned credit union offering comprehensive, straightforward, and competitive financial solutions designed to support our members’ financial health. Established in 1939 by a group of teachers, TruStone Financial has grown into Minnesota’s second-largest credit union. With over 550 dedicated employees, we serve more than 200,000 members across 23 branches in Minnesota and Wisconsin. Our vision is to deliver exceptional financial experiences, and to achieve this, we need exceptional people! Join our expanding team and help us fulfill our mission to engage, educate, and inspire members toward lifelong financial well-being.

Benefits

• Competitive pay and incentive programs for all positions.
• Health insurance with the ability to choose between a Traditional Health Plan or Health Savings Plan.
• Affordable dental and vision insurance coverage.
• 22 days of paid time off annually for full-time employees (prorated for part-time), with accrual increasing based on tenure.
• 10+ paid holidays each year.
• Up to 16 hours of paid time annually to volunteer for organizations you are passionate about.
• 401(k) with 50% employer match on the first 6% you contribute, plus an additional 3% safe harbor employer contribution after one year of service (immediately 100% vested).
• Eligibility for profit-sharing contributions to your 401(k) account.
• Employer-paid Short Term and Long Term Disability benefits.
• Employer-provided life insurance up to 2.5x your base salary, with the option to purchase additional coverage for yourself, spouse, and eligible dependents.
• Reimbursement for higher education expenses up to $5,250 per calendar year (including tuition, books, and activity fees).
• Career development opportunities, including the STEP job shadow program, TruStone Academy certification courses, Mentorship Program, and more.
• Special employee discounts when you join TruStone Financial as a credit union member.
• Employee activities, events, discounts, and many other great benefits and perks.

Pay

The salary range for this position is $80,000 to $100,000 per year.