Credit Analyst II

Department: Credit

Location: Minneapolis, MN

Reports to: Credit Manager

Position Summary

Credit Analyst Function:

Working closely with CRF’s small business customers to successfully structure and finance loan transactions, with responsibility to underwrite SBA 7(a) and CRF business loans.  This role requires review of loan packages, analysis of financial statements using SageWorks, ability to critically evaluate borrower prospects, and prepare credit summaries (write-ups). As part of these responsibilities, the position works closely with CRF Business Development Team and small business borrowers to capture key information to assess SBA/CRF program eligibility, determine whether borrowers meet CRF credit policy, complete analyses of the key credit factors and risks, and make credit approval recommendations.   This position also reviews and recommends action on loan modification requests, working with the Loan Packaging/Closing Team.

Minimum Requirements

  • Bachelor’s degree in Business, Economics, Finance, Accounting, Mathematics, Statistics or related field
  • 3 to 5 years of experience in credit underwriting for small business and/or commercial real estate loans
  • Seasoned knowledge of spreading financial statements and tax returns, cash flow and ratio analysis, projections, property operating statements, independent market research, commercial construction budgets, appraisal valuation and environmental reports
  • Working knowledge of commercial loan structuring and documentation
  • Ability to effectively communicate verbally and through written forms of communication

General Computer Literacy

Required intermediate to advanced level of proficiency and experience with:

  • Microsoft Office including Word, Excel, and Outlook; CRM;
  • Nationally known financial Statement analysis package, e.g., SageWorks, Moody’s Financial Analyst, Baker Hill, etc.

Preferred working knowledge of:

  • Microsoft Project
  • Visio


Please send resumes to


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