Job Description
Join our award-winning finance team as a Senior Credit Analyst and drive critical lending decisions at Global Financial Partners. We're seeking a detail-oriented professional with a passion for financial risk assessment to join our Minneapolis headquarters. This direct-hire opportunity offers competitive compensation, comprehensive benefits, and clear career advancement paths in a collaborative environment.
As a key member of our Commercial Lending division, you'll analyze complex financial data, evaluate creditworthiness, and recommend risk mitigation strategies. You'll work closely with Relationship Managers to structure loan packages that align with our clients' business objectives while maintaining portfolio quality standards. Our culture values analytical rigor, continuous learning, and ethical decision-making.
Responsibilities
- Conduct in-depth financial statement analysis and ratio calculations to assess borrower creditworthiness
- Prepare comprehensive credit memoranda documenting risk factors, repayment capacity, and collateral adequacy
- Monitor existing loan portfolios for covenant compliance and early warning signs of deterioration
- Collaborate with commercial lenders to structure loan terms that balance risk and client needs
- Stay current with industry regulations, economic trends, and credit policy updates
- Present credit recommendations to senior management with clear rationale and supporting data
- Develop and maintain strong relationships with external credit bureaus and industry partners
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field required
- 5+ years of commercial credit analysis experience with lending institutions
- Advanced proficiency in financial modeling and Excel (pivot tables, VLOOKUP, macros)
- Credit certification (CRCM, CMBL) or equivalent industry designation preferred
- Deep understanding of cash flow analysis, collateral valuation, and industry risk factors
- Exceptional written and verbal communication skills for presenting complex information
- Strong analytical mindset with attention to detail and accuracy
- Ability to manage multiple deadlines in a fast-paced environment