Credit Officer

    Job Description


Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors complex loan files for adequate and current financial information and documentation. Directs the activities of credit analysts. Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions:

Credit Underwriting & Loan Portfolio Monitoring 60%
• Completes loan requests and reviews
• Analyzes financial information
• Identifies, requests, and tracks information needed to complete the credit analysis
• Identifies and reports areas of concern
• Ensures compliance with federal, state, and bank regulations
• Reviews loan file for proper documentation
• Prepares monthly and quarterly reports
• Monitors and makes recommendations for updates to Bank policies pertaining to the lending function
• Completes appraisal and evaluation reviews
• Periodically completes property evaluations on commercial and residential properties
• Performs site visits as needed

Supervises Credit Analysts 20%
• Manages and assigns area workload
• Develops and monitors work plans that align with the Bank’s strategic goals
• Provides guidance, assistance, and resources to support individual and team performance

Implementation of Technology and Systems within the Business Banking Department 10%
• Analyze department needs
• Coordinate implementation teams
• Create processes and procedures
• Implementation of system

Additional Duties & Responsibilities 10%
• Compiles audit information
• Orientates external examiners and responds to requests
• Serves on bank committees as needed
• Participates in internal and external training and development opportunities as required
• Other job related duties necessary to carry out the responsibilities of the position

    Education & Experience


A 4-year college degree in accounting, finance, business or equivalent required. A minimum of 5+ years accounting/finance related experience preferred. Banking experience required. Must possess courteous and professional customer service attitude; excellent verbal and written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including statistical analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker.



WNB was formed as Winona Savings Bank and began business in July 1874. WNB’s downtown building was erected in 1916, originally housing both the Winona Savings Bank and the newly formed Winona National Bank.

Shortly after the historic building at 204 Main Street opened, the two banks merged to form "Winona National and Savings Bank". In 2001, Winona National and Savings Bank merged with its sister-bank, Town and Country State Bank, to once again form "Winona National Bank". At the time of this merger, both banks were subsidiaries of WNB Holding Company. The merger allowed a consolidation of processing, combining of expertise, and three convenient locations in Winona: East, West, and Downtown.

In 2017, a Loan Production Office (LPO) was opened in Eau Claire, Wis. to begin expanding our footprint regionally. Plans to have a full service branch are in the works for 2019. In addition, with the success of the LPO in Eau Claire, we are following the same model expanding into Holmen, Wis. The Holmen LPO was opened in August 2018.

On June 25, 2018, Winona National Bank changed its name to WNB Financial to prepare for growth and better indicate the variety of services we offer outside of traditional banking services.

In the fall of 2018, WNB Holding Company acquired First State Bank of Wabasha and First State Insurance Company. On February 4, 2019, First State Bank of Wabasha merged with WNB Financial once again expanding the WNB footprint and services.

    How to Apply


Apply by sending your resume to or visiting our website at

EEO/AA Employer/Vets/Disability

WNB Financial
204 Main St Winona, MN 55987-3554

MBA Job number/Date Added