Credit Analyst II - Small Ticket

About the role

The Credit Analyst II position is located in one of four cities: West Fargo, ND, Chander, AZ, Marshall, MN, or Devils Lake, ND. Standard office hours are from 8:00 a.m. to 5:00 p.m., Monday through Friday.

Responsibilities

• Work with the Credit Department and Sales Department to evaluate and underwrite small-ticket transactions.
• Investigate, evaluate, and underwrite small-ticket transactions in accordance with credit policies and guidelines, program structure, and delegated credit authority.
• Evaluate commercial and consumer credit reports, analyze tax returns and financial statements, and review other sources to determine the customers' credit capacity.
• Professionally communicate decisions to Business Development Managers and vendors.
• Work closely across departments to develop, structure, and document commercial transactions.
• Perform limited Annual Reviews on existing customer relationships.
• Oversee modifications or changes within a credit profile.
• Contribute to review of Vendor Profiles.
• Aid with support of administrative contracts.
• Aid in the research and resolution of technical exceptions to credit policy determined by both internal and external parties.
• Aid with special projects.

Requirements

• Bachelor’s Degree in Business Administration, Finance, or Business Management required with 3+ years of credit analysis/underwriting experience in a commercial lending capacity environment with specialty equipment finance and/or C&I lending experience.
• Formal credit training is beneficial.
• Requires 3+ years of credit underwriting experience with strong proficiency in analyzing and interpreting both personal and commercial credit reports to assess creditworthiness and risk.

Pay

Starting Salary Range: $52,000.00 - $78,000.00 per year. This is a full-time position with benefits.

Schedule

Standard office hours are from 8:00 a.m. to 5:00 p.m., Monday through Friday.

Benefits

• Health Benefits: Medical, dental, and vision insurance
• Retail Benefits: 401(k), ESOP participation
• Paid Time Off (PTO): PTO, sick leave, and paid holidays
• Other Benefits: Any other benefits offered, such as life insurance, employee assistance programs, professional development opportunities, wellness programs, educational assistance