Credit Analyst - CRE (Level based on experience)

Tradition Capital Bank • Edina, MN

2d • $100,000 - $150,000 • Onsite

About The Position

Tradition Capital Bank is seeking a Commercial Real Estate (CRE)-focused Credit Analyst to join their growing team. This role is responsible for the underwriting of income-producing real estate and development projects, with a strong emphasis on commercial real estate underwriting. The CRE Credit Analyst will support the production team by performing detailed financial analysis, underwriting, structuring, documenting, and monitoring client relationships. The role involves evaluating real estate cash flows, collateral performance, and market fundamentals to make informed credit decisions. Compensation and title will be determined by the candidate's experience.

Requirements

• A role model for core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously
• Strong analytical background with demonstrated expertise in commercial real estate, including multi-family, office, retail, and industrial
• Familiarity with CRE data and market tools (CoStar preferred)
• Demonstrated commitment to defect-free, timely, and caring client service
• Able to perform at a high level in a fast-paced environment
• Flexible to change in a growing organization
• Detail oriented and highly analytical
• Expertise in quantitative analysis
• Strong knowledge of financial statements
• Excellent verbal and written communication skills
• Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
• May have experience in Baker Hill spreading software, and Fiserv or other Credit Risk Management Systems
• An independent, quick learner
• Able to prioritize and manage multiple projects/tasks
• Demonstrate a collaborative work style and respect for others
• Demonstrate self-motivation and present a resourceful work ethic
• Accountable for demonstrating compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as it pertains to their position at the bank.
• A Bachelor’s Degree from four-year College or University with emphasis on business, finance, accounting, or statistics
• A minimum of 5 years of experience in credit analysis with a strong emphasis on commercial real estate, or equivalent combination of education and experience.

Nice To Haves

• CoStar preferred

Responsibilities

• Prepare financial spreads and credit presentations summarizing sources of repayment using a risk-based approach.
• Analyze and underwrite complex credits.
• Analyze historical and projected business and personal cash flow, and global cash flow.
• Perform collateral analysis of real and personal property.
• Analyze the economic and competitive environment of the borrower and/or industry.
• Recommend appropriate covenants and monitor other structural and risk-mitigating components of credit accommodations.
• Maintain knowledge of the Bank’s Loan Policy.
• Assist lenders with ongoing credit administration and portfolio management, including periodic review of borrower reporting, rent rolls, updating ticklers, and monitoring accounts for compliance with reporting requirements and covenants.
• Set up and maintain electronic credit files.
• Read, review, and understand different loan documentation.
• Review documentation for all components of approved credit accommodations.
• Collaborate with credit and lending teams to identify opportunities for enhanced client service.
• Accompany lenders on client visits when necessary.
• Serve as a resource for other analysts and provide backup to fellow analysts.
• Provide prompt turnaround on customer and credit requests.
• Communicate the status of loans in process with lenders and/or credit managers.
• Work independently with minimal supervision and oversight.

Benefits

• Healthcare (medical with HSA, dental, and voluntary vision)
• Short-term and long-term disability
• Basic and voluntary life & AD&D insurance
• EAP – Employee Assistance Program
• Flexible spending accounts
• 401(k) with employer match; ability to purchase Bank stock through 401k
• Paid time off & paid holidays
• Family Care Reimbursement (up to $500 annually for 2026)
• Wellness Time (up to 2 hours/week)
• Keystone employee directed giving opportunities (annual Insight Trip opportunities, up to $500 for grants and double match dollars)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level