Credit Analyst - Willmar
About The Position
At Kensington Bank, we believe banking is more than transactions - it's about building meaningful relationships and making a positive difference for our customers, our coworkers, and the communities we serve. We're always looking for people who share that passion, so if that is you, we'd love to meet you! We're currently looking for two Credit Analysts - one to join our Willmar branch and another to join our Cokato branch - because we're growing! This is a great opportunity for a detail-oriented, organized professional, who enjoys working behind the scenes to ensure a smooth and accurate lending experience! As a Credit Analyst, you'll play a key role in supporting our Lending department, by evaluating the creditworthiness of commercial and agriculture loan applicants to help ensure sound lending decisions that align with the bank's risk standards and community-focused mission.
Requirements
- High school diploma or equivalent required
- 1-2 years of related experience, ideally within a community bank.
- Excellent attention to detail and organizational skills.
- Ability to prioritize tasks and meet multiple deadlines.
- Available to travel as business needs require.
- This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment.
Nice To Haves
- Bachelor's degree or equivalent experience in business, finance or accounting preferred.
- Experience with loan origination systems (e.g., Meridian Link, Encompass, or similar) preferred.
Responsibilities
- Analyze financial statements, tax returns, and credit reports for loan applicants.
- Prepare detailed credit memos, including financial spreads, cash flow analysis, and risk assessment.
- Assess borrower repayment capacity, collateral adequacy, and overall credit risk.
- Assist with loan reviews and audits as needed.
- Follow all bank policies, procedures, and regulatory guidelines to maintain compliance and operational excellence.
Benefits
- Medical, Dental, and Vision Insurance
- Short-term and Long-term Disability
- Life and Accident/Credit Care Insurance
- Paid Days Off - Vacation, Sick, and Holidays
- 401k with match
- Flexible Spending Account
- Identity Theft Protection Program
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
