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Sr. Credit Analyst | Banking
Posted: 03/31/2026
Employment Type:
Permanent
Category: Accounting & Finance
Job Number: 29162
Pay Rate: $85,000.00 To $115,000
Job Description
Title: Sr. Credit Analyst
Location: Bloomington, MN (Only local candidates will be considered)
Job Type: Permanent/Direct-Hire
Compensation: $85,000–$115,000/ Annually
Industry: Banking & Financial Services
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About the Role
Our firm is partnering with a well-established, community-focused financial institution operating in the commercial banking industry to identify a Senior Credit Analyst. This organization is known for relationship-based lending, strong credit discipline, and a commitment to supporting businesses within its regional markets.
The Senior Credit Analyst plays a critical role in evaluating and monitoring the creditworthiness of commercial borrowers. This position is responsible for delivering thorough, well-supported credit analysis and recommendations within established credit policies. The role supports lenders throughout the life of the loan—from initial underwriting through ongoing portfolio monitoring—and contributes to sound risk management across the lending portfolio.
Job Description
The Senior Credit Analyst is responsible for performing in-depth financial and credit analysis to support commercial lending decisions and ongoing portfolio management. This role works closely with lenders and borrowers to evaluate risk, structure credit recommendations, and ensure compliance with internal credit policy throughout the life of each relationship.
Qualifications
Required Qualifications:
Benefits
Team Members enjoy a comprehensive benefits package that includes health insurance with two medical plan options, along with dental and vision coverage. The package also features an employer-matched 401(k) plan, company-paid life insurance, AD&D, and short- and long-term disability, with the option to purchase additional life and AD&D coverage. Employees receive paid time off, and all federal holidays are observed.
How to Apply
Take the first step on your new career path! To submit yourself for consideration for this role, simply click the apply button and complete our mobile-friendly online application. Once we’ve reviewed your application details, a recruiter will reach out to you with next steps!
Equal Opportunity Statement
As an equal opportunity employer, Dahl Consulting welcomes candidates of all backgrounds and experiences to apply. If this position sounds like the right opportunity for you, we encourage you to take the next step and connect with us. We look forward to meeting you!
#ZR
#LI-MJ1
#LI-Hybrid
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Location: Bloomington, MN (Only local candidates will be considered)
Job Type: Permanent/Direct-Hire
Compensation: $85,000–$115,000/ Annually
Industry: Banking & Financial Services
---
About the Role
Our firm is partnering with a well-established, community-focused financial institution operating in the commercial banking industry to identify a Senior Credit Analyst. This organization is known for relationship-based lending, strong credit discipline, and a commitment to supporting businesses within its regional markets.
The Senior Credit Analyst plays a critical role in evaluating and monitoring the creditworthiness of commercial borrowers. This position is responsible for delivering thorough, well-supported credit analysis and recommendations within established credit policies. The role supports lenders throughout the life of the loan—from initial underwriting through ongoing portfolio monitoring—and contributes to sound risk management across the lending portfolio.
Job Description
The Senior Credit Analyst is responsible for performing in-depth financial and credit analysis to support commercial lending decisions and ongoing portfolio management. This role works closely with lenders and borrowers to evaluate risk, structure credit recommendations, and ensure compliance with internal credit policy throughout the life of each relationship.
- Perform comprehensive financial analysis on assigned commercial credit relationships
- Ensure borrower financial packages are complete, including tax returns and financial statements; follow up with lenders or customers to obtain missing information
- Prepare detailed financial spreads using Sageworks, Excel, and other relevant tools
- Analyze financial ratios and cash flow to assess the viability and sustainability of primary repayment sources
- Evaluate secondary sources of repayment, including collateral and guarantor support
- Compare borrower performance to industry benchmarks and internal credit policy guidelines
- Identify, assess, and clearly articulate credit risk; propose accurate risk ratings aligned with the level of exposure
- Present findings, recommendations, and risk assessments to lenders and other internal stakeholders
- Partner proactively with lenders and borrowers to clarify financial trends, risks, and mitigating factors
- Participate in joint calls with lenders and customers as requested
- Prepare formal credit action presentations and provide support throughout the approval process
- Complete annual reviews and ongoing credit administration
- Maintain accurate and current credit files, including required documentation and tickler management
- Monitor loan covenants, assess compliance, and escalate issues when action is required
- Assist lenders with file comments, material change documentation, and other credit-related reporting
Qualifications
Required Qualifications:
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field
- Minimum of 6 years of progressively responsible credit analysis experience or equivalent
- Banking industry experience is required
- Strong financial statement analysis, cash flow analysis, and risk assessment skills
- Experience supporting commercial or business lending portfolios
- Ability to clearly communicate complex financial concepts and credit recommendations
- Ongoing professional development or advanced training in credit, financial analysis, or risk management
- Experience working closely with relationship managers or lenders in a commercial banking environment
- Familiarity with industry-standard credit analysis tools and financial spreading software
Benefits
Team Members enjoy a comprehensive benefits package that includes health insurance with two medical plan options, along with dental and vision coverage. The package also features an employer-matched 401(k) plan, company-paid life insurance, AD&D, and short- and long-term disability, with the option to purchase additional life and AD&D coverage. Employees receive paid time off, and all federal holidays are observed.
How to Apply
Take the first step on your new career path! To submit yourself for consideration for this role, simply click the apply button and complete our mobile-friendly online application. Once we’ve reviewed your application details, a recruiter will reach out to you with next steps!
Equal Opportunity Statement
As an equal opportunity employer, Dahl Consulting welcomes candidates of all backgrounds and experiences to apply. If this position sounds like the right opportunity for you, we encourage you to take the next step and connect with us. We look forward to meeting you!
#ZR
#LI-MJ1
#LI-Hybrid
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Ready to kickstart your career in Bloomington, Minnesota? This vibrant city, nestled in the heart of the Land of 10,000 Lakes, offers a perfect blend of natural beauty and urban convenience. With renowned attractions like the Mall of America, the stunning landscapes of the Minnesota Valley National Wildlife Refuge, and the variety of dining options showcasing Nordic cuisine, Bloomington is a hub of cultural experiences waiting to be explored. Home to art galleries, theaters like the Bloomington Center for the Arts, and professional sports teams like the Minnesota Vikings at the U.S. Bank Stadium, this city provides endless opportunities for personal and professional growth. Explore our job listings today and discover why Bloomington is the ideal place to advance your career.