New

Credit Analyst

North Star Bank
$26 starting pay - North Star Bank offers a nice benefits package designed to meet the needs of our employees. Benefits include Medical, dental, health savings account (HSA), 401K & company match, Life/AD&D/Dep. Life ins., Short Term Disability, MN leave

1820 Lexington Ave N (Show on map)
Nov 03, 2026
North Star Bank is an independent, locally owned community bank with a proud tradition of sound management and integrity. Established in 1947, we have been continuously committed to providing quality, customized banking service for personal and commercial financial needs. Whether it is assisting a newfound customer or cultivating the current relationship we provide banking solutions convenient for our customers that meets their needs. North Star Bank proudly reinvests in the neighborhoods in which you live in and continues to serve the community we've been part of for more than 75 years. North Star Bank is seeking a Credit Analyst to join our commercial underwriting team. The primary responsibility of this position is to conduct a thorough financial analysis on prospective and active commercial loans to mitigate risk to the bank. This self-directed position includes gathering documentation, prepares comparative financial spreadsheets, analyzes information, maintains loan documents, and prepares credit presentations for the Loan Committee. This position uses a high degree of independent judgment to determine credit and collateral risk to ensure loans are in compliance with internal and regulatory compliance. Skills, Abilities and What Qualities We Look For: Ability to work in a fast-paced environment managing time well, producing excellent work in a timely manner and completes work within established deadlines. Motivated self-starter with high integrity and a strong work ethic Ability to take initiative, work independently with minimal supervision or little direction, and collaborate effectively across departments Possesses good customer service skills and collaborative approach when working with team members Displays high degree accuracy in work assignments Possesses critical thinking skills with ability to problem-solve and suggest solutions to situations Ability to multi-task and manage multiple priorities daily Must have strong communication skills through excellent verbal and written correspondence, effective listening, exhibit responsiveness, displays high attention to detail through accuracy in work assignments and follow through skills. Follow established processes, guidelines, and procedures while adhering to all applicable laws and regulations Preferred Skills & Qualifications: Strong knowledge of commercial loans and underwriting Knowledge of banking regulations, procedures, and operations Ability to gather, analyze and interpret financial statements and draw conclusions based on business trends Ability to interpret cash flow statements Thorough knowledge of current lending and loan review regulations Ability to spread and analyze business and personal tax returns Ability to identify source of repayment as well as collateral analysis Ability to maintain confidentiality with customer information Required Education and Experience: Bachelor's degree with emphasis in business, finance or accounting related field of study required. A minimum of 5 years' experience in a Credit Analyst role Prior experience underwriting complex commercial loans Prior experience or training in financial analysis Solid understanding of GAAP statement spreading techniques, analyzing statements, structuring of credit facilities and underwriting standards. Proficiency in computer programs including Word and Excel. Familiarity with Navigator operating system a plus and ability to adapt to various computer programs. Compensation Commensurate with experience: The beginning hourly base pay for this position starts at $26.00. This beginning base pay represents a good faith and reasonable estimate of the minimum base range of possible compensation at the time of posting. If an applicant possesses experience, education, or other qualifications more than the minimum requirements for this posting, that applicant is encouraged to apply, and a final salary range may then be based on those additional qualifications; compensation decisions are dependent on the facts and circumstances of each case. The compensation of the finalist selected for this role will be based on a variety of factors, including but not limited to, years of experience, depth of experience, seniority, merit, education, training, and other relevant business considerations. This position includes up to a 10% incentive bonus based on company objectives and department performance. If you are looking to make a real impact with a career in the financial services industry, come join our team! North Star Bank 1820 Lexington Ave N Roseville, MN 55113 https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf https://www.dol.gov/whd/regs/compliance/posters/eppac.pdf https://www.dol.gov/whd/regs/compliance/posters/fmlaen.pdf Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities