Senior Credit Analyst - Temporary

Job ID
# of Openings
FLSA Status


Under supervision of the Team Leader – Credit Analysts, this position provides an effective support system for the lending departments and bank management.  Primarily analyzes credit/financial information pertaining to complex commercial loans.  Prepares loan presentations which contain analysis, summaries and facts concerning credit-worthiness.  Conducts complex credit/financial analysis, and assists other credit analysts with difficult credit/financial analysis by reviewing financial statements, A/R agings, borrowing base certificates and other financial information.     



*This position can be located in Eagan or St. Louis Park and although we prefer full-time, would consider part-time.



Credit Analysis (70%)

  • Assists commercial lending staff with the preparation of loan request presentations including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis and other supporting information as required for proper approval.
  • Conducts annual reviews, including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and other supporting information as required.
  • Collects, spreads, and analyzes financial and credit information pertaining to prospective and existing customers and provide objective risk rating.
  • Prepares comprehensive written loan presentations for Executive and Senior Loan Committees, including risk rating recommendations. Attends meeting as required.
  • Monitors collateral control activities by reviewing accounts receivable and accounts payable aging reports, and borrowing base certificates to ensure maximum advance limits are maintained.
  • Assists credit analysts with difficult credit/financial analysis by reviewing financial statements, borrowing base certificates and other financial information.
  • Assists business bankers with the monitoring and review of financial statements, borrowing base certificates and other financial information.
  • Understands and adheres to bank compliance regulations and standard operating procedures pertaining to credit and lending functions.
  • Identifies and recommends ways to improve procedures to safeguard the bank, particularly in bank compliance regulations, standard operating procedures and the bank's credit policy.
  • Assists business bankers with problem loan negotiations on a quarterly basis or as needed.


Customer Service (10%)

  • Serves as a secondary contact with the owners, controllers, and other key managers of existing businesses.
  • Ensures that a high level of customer service is being delivered in a manner that exceeds customer expectations (internal and external customers).
  • Participates in joint calls with the respective loan officers on existing business relationships and prospective new business relationship.


Loan Administration (20%)

  • Assists in processing and requesting financial information on customers on an annual basis
  • Reviews real estate environmental reports and collateral valuations and collateral audits for credits when required by policy or approval.



Education and Experience

  • College degree in finance, accounting or business related field or equivalent banking experience is required.
  • At least four or more years of financial or credit analyst experience is required.


Competency Requirements

  • Business Acumen - Basic understanding of and ability to apply general business and financial concepts, basic understanding of the business, general product knowledge and ability to understand and navigate the social and/or political dynamics within the organization.
  • Communication - Clear, effective, and focused written, verbal, and non-verbal communication skills; solid listening skills; ability to effectively persuade and influence others.
  • Decision Making/Problem Solving - Ability to make good quality decisions in a timely and decisive manner and systematically evaluate alternatives.
  • Internal Customer Engagement - Displays customer focus and responsiveness, builds and maintains relationships effectively, seeks and anticipates customer needs, exceeds customer expectations.
  • Self Management - Strong time management, work prioritization, and organizational skills; detailed oriented; ability to clearly define objectives, set personal goals, and monitor progress; displays self-motivation; actively seeks feedback and adapts behavior.
  • Functional Expertise - Has the functional and technical knowledge, skills, and abilities to be effective in the role and demonstrates commitment to continuously learn and improve these skills; seeks assignments and roles that expand or improve functional abilities; ability to perform work at a high level of volume without sacrificing quality.


Other Knowledge, Skills, and Abilities

  • Familiar with Fiscal and Jack Henry software applications are preferred.
  • Ability to calculate amounts such as discounts, interest, commission and percentages.
  • Thorough understanding of general ledger and accounting principals.
  • Ability to accurately calculate various financial ratios, common size financial statements, and perform trend analysis.
  • Ability to respond to common inquiries or complaints from bankers or customers.
  • Ability to read, analyze and interpret industry journals and reports.
  • General knowledge of the Bank’s services and a good understanding of commercial lending and regulations are preferred.


Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles.


As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.


We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the SVP Talent Acquisition Manager, to fill a specific position.


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