Credit Analyst

    Job Description

The Credit Analyst is an integral part of the lending team and the success of the lending process. The Credit Analyst is responsible for conducting credit analysis including: gathering, analyzing financial information, spreading financial statements and tax returns, and interpreting all types of credit information on existing and prospective customers and portfolios.

Duties and Responsibilities

  • Spread and analyze financial statements and tax returns for new loan presentations.
  • Analyze cash flow and prepare credit risk reviews for existing credit relationships
  • Provide loan pricing recommendations, associated risk rating, and repayment structure on new loans.
  • Determine collateral value and perfect security interests
  • Perform analysis of borrower’s business and global cash flow
  • Highlight the borrower’s key financial trends and ratios
  • Prepare credit file content and organization to maintain compliance with bank policies and procedures
  • Effectively coordinate and prioritize multiple tasks while working on loan pipeline
  • Active in new business development
  • Actively participate in community events and civic organizations
  • Perform other related duties as assigned
  • Ensure compliance with banking regulations and bank policies

    Education & Experience

  • Bachelor's degree in business, finance, or professional experience in related fields
  • High degree of integrity and drive for excellence
  • Ability to coordinate complex activities and prioritize conflicting demands and deadlines
  • Strong analytical and financial analysis skills
  • Strong verbal and written communication skills; ability to express ideas in a clear and concise manner
  • Proficiency with Microsoft Office products


Northern State Bank of Virginia was established in 1966 and remains a pillar in the community. It is a modern-day, community bank that does business the old-fashioned way. We believe banking is more than just closing deals, it is about building relationships. We're the bank where the size of your wallet won't affect the size of your welcome. You deserve exceptional service, and that is provided at Northern State Bank of Virginia.

    How to Apply

Please send resume to or:

Northern State Bank of Virginia
Attn: Briana Sterle
600 Chestnut Street
Virginia MN 55792

Northern State Bank of Virginia is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities. Member FDIC - Equal Housing Lender.

Northern State Bank
600 Chestnut St Virginia, MN 55792-2533

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