Senior Credit Analyst

Responsibilities

• Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends, and loan performance histories
• Collect, review and analyze loan requests, financial information, appraisals, title insurance, etc. for larger, more complex deals
• Assign risk ratings to support loan requests
• Prepare annual reviews of existing loan relationships
• Assist lenders with closings
• Mentor other Credit Analysts
• Identify historical trends of businesses or markets
• Prepare spreadsheets, reports, summaries and recommendations on loan structure/pricing for lenders
• Conduct property inspections to ensure accuracy
• Develop and maintain accurate records for lending clients and accounts
• Assist loan and credit department managers with special projects for managing risks in the lending function
• Maintain knowledge of all supporting software, compliance, and procedures as they relate to the loan department
• Assist lenders in maintaining positive relationships with new and existing clients by providing timely feedback to client requests and questions
• Adhere to the bank’s policies, procedures, security requirements and government regulations including (but not limited to) BSA

Qualifications

• Bachelor’s degree in finance, economics, business or related field
• 3+ years of experience with C&I and/or Commercial Real Estate
• Superior analytical/reasoning skills
• Proficiency in Microsoft Word, Excel, PowerPoint and Outlook
• Excellent written, verbal, and interpersonal communication skills

About Bridgewater Bank

We are on a mission to be the finest entrepreneurial bank in the Twin Cities. Bridgewater Bank provides a broad offering of competitive benefits including (but not limited to): Healthcare (medical, dental, vision), Basic term and optional term life insurance, Short-term and long-term disability, Parental leave, 401(k) with employer match, Paid vacation & paid holidays.

Status: Exempt