VP, Credit Analyst

Tradition Capital Bank•Edina, MN

8d•$85,779 - $128,668•Onsite

About The Position

Who We Are & Why You Will LOVE Us! You are more than just a number; we are more than just a bank. At Tradition Capital Bank, we are partners in business and in life; building dreams and futures on one simple idea: strong one-on-one relationships. We place our people in the right seats and position our employees to do what they love. Every person and every role matters: when we function together as One Team, we achieve extraordinary results. As each other’s raving fans, we reach across titles and organizational structure to encourage one another. Here at Tradition, we believe that when people work together with shared values and an open mind, anything is possible. Tradition is always in the making; join us in celebrating our roots and being a part of what’s next. What You Will Be Doing The VP, Credit Analyst is responsible supporting the production team through financial analysis, underwriting, structuring, documenting, and monitoring existing and prospective client relationships, consistent with our Client Service Standards, and with minimal supervision or oversight. How You Will Get the Job Done Analysis & Underwriting: Prepares financial spreads and credit presentations that sufficiently and appropriately summarize the sources of repayment using a risk-based approach. Demonstrates expertise and experience in analyzing and underwriting complex credits. Work product would include historical and projected business and personal cash flow, global cash flow, collateral analysis of real and personal property, understanding / analysis of economic and competitive environment of the borrower and/or industry, recommending appropriate covenants, monitoring and other structural and risk mitigating components of the credit accommodation. Maintains knowledge of the Bank’s Loan Policy. Credit Administration: Assist lenders with on-going credit administration and portfolio management including the periodic review of borrower reporting, updating ticklers, and ongoing account monitoring for compliance with reporting requirements and covenants. Set up and maintain electronic credit files. May review and approve credit actions as designated in Loan Policy. Documentation: Reads, reviews and understands different loan documentation. Demonstrates expertise and experience to review documentation of all components of the approved credit accommodation. Collaboration: Works collaboratively across credit and lending teams to identify opportunities for enhanced client service. Accompanies lenders on client visits when necessary. Serves as an expert resource for other analysts and provides backup to fellow analysts. May supervise the work of other analysts. May assist credit managers with special projects. Productivity: Provides prompt turnaround on customer and credit requests, while communicating the status of loans in process with lender and/or credit managers. Demonstrates the ability to work independently with minimal supervision and oversight. Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time without notice.

Requirements

A role model for our core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously
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
In-depth knowledge of commercial and consumer lending, including C&I, CRE, residential mortgages and personal consumer loans
Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
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
Is 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.
Keep well informed as to market conditions as it relates to assessing risk in credit transactions.
A Bachelor’s Degree from four-year College or University with emphasis on business, finance, accounting, or statistics; a minimum of 7 years of experience in banking in a similar role (e.g. commercial and consumer lending/credit analysis); or equivalent combination of education and experience.

Nice To Haves

May have experience in Baker Hill spreading software, CoStar, and Fiserv or other Credit Risk Management Systems

Responsibilities

Prepares financial spreads and credit presentations that sufficiently and appropriately summarize the sources of repayment using a risk-based approach.
Assist lenders with on-going credit administration and portfolio management including the periodic review of borrower reporting, updating ticklers, and ongoing account monitoring for compliance with reporting requirements and covenants.
Reads, reviews and understands different loan documentation.
Works collaboratively across credit and lending teams to identify opportunities for enhanced client service.
Provides prompt turnaround on customer and credit requests, while communicating the status of loans in process with lender and/or credit managers.

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 2025)
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)