Credit Analyst

The following full-time opportunity is now available.

Location: Mankato, MN

Position Purpose:         

The Credit Analyst I is responsible for conducting credit investigations by collecting, analyzing, and interpreting data and financial information to evaluate and mitigate credit risk, as well as determining the appropriate credit risk rating on new and existing borrowers. This position collaborates and works closely with credit production and credit support to maximize borrower cash flow for UPB debt retirement and manages credit facilities extended to UPB borrowers. The role is a significant contributor for overall UPB risk management through credit facility monitoring.


  • Responsible for the creation and accuracy of credit presentations as well as assuring risk rating classifications are factual, accurate, and consistent with UPB’s risk rating system.
  • Review credit packages for policy and regulation compliance as well as structural soundness, credit weakness, lien searches and title work to assure appropriate equity and collateral positions; makes corrective recommendations as needed.
  • Investigate all available sources of credit and financial information to include, but not limited to, credit bureaus, other companies, vendors, other UPB files, internet sources, social media, other banks, and overall community reputation.
  • Accountable for monitoring the annual collection of required borrower financial and credit information.
  • Verify the quality, completeness, and accuracy of all related credit facility documentation and assure appropriate loan covenants and terms are accurately stated in the appropriate documentation as well as verifying the appropriate perfection of collateral and UPB security interests.
  • Prepare appraisal requests, reviews, and real estate evaluations.
  • Prepare summaries, present facts, and offer professional risk based opinions based on factual creditworthiness information as well as preparing and presenting credit risk reviews as credit conditions dictate.
  • Monitor periodic inspections and credit advances pertaining to real estate construction projects.
  • Ensure the creditworthiness of UPB’s credit portfolio, looking for changes or issues which merit a review or change in a credit facility, credit risk management practices, or adverse credit risk rating classification as well as determining the need for a more thorough credit investigation or the need for additional information to make an appropriately informed credit decision.
  • Analyze economic, industry, and financial trends and market conditions.
  • Act as a resource for Market Presidents, Business Bankers, Credit Support Specialists, and Credit Support Assistants on all issues related to credit risk management, and to gather information for credit presentations and files.
  • Abide by all policies, procedures and regulations of UP.
  • Review, acknowledge, and comply with all end user security requirements stated in the Information Security – End User Policy and Statement of Understanding.
  • Utilize all communication tools available including, but not limited to; UPLink, email, and instant messaging.
  • Any and all other duties as assigned by management.

Job Specifications:

Strong attention to detail, must embrace change, effective at prioritization, multi-tasking, effective oral and written communications skills. Ability to exercise professional judgment and demonstrate independent decision-making skills based on the Bank’s philosophy of profitability, quality, and then growth. Capacity to create and present sophisticated reports and findings to upper level management. A strong aptitude to build relationships and rapport within UPB. High degree of confidentiality and professionalism. Accepting of strong mentoring and feedback.

Job Qualifications:

  • Bachelor’s degree in finance, economics, or similar field or the equivalent knowledge and experience.
  • Proficiency in analysis software including, but not limited to Microsoft Word and Excel.
  • Excellent written and verbal communication skills.
  • Ability to interpret written and verbal complex concepts, instructions, and thoughts.
  • Has the aptitude to analyze tax returns and financial statements.
  • Excellent analytical, time management, organizational, and problem solving skills with the ability to focus, multi-task, and work in a deadline driven environment.
  • Must be professional in demeanor and deal effectively with people while being highly motivated, inquisitive, detail oriented, and adaptive to constant change while balancing multiple work assignments with stringent deadlines.
  • Occasional day travel may be required for training/meeting purposes.

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

Applicant can apply by emailing an introductory letter and resume to: United Prairie Bank, Human Resources -

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.