North Shore Bank is a locally-owned and managed, independent, community bank that has been operating in the Duluth area for over 100 years! We are seeking a full-time Credit Analyst to join our Business Banking department. The individual in this role will assist the Business Banker in review and analysis of commercial credit obligations. We offer competitive pay, a full benefits package and a fun team-oriented environment. This position is located onsite in Duluth, MN. North Shore Bank is an Equal Opportunity Employer.

Responsibilities:

• Responsible for the evaluation and underwriting of Commercial and Industrial, Commercial Real Estate, SBA and other commercial loan applications to determine creditworthiness and compliance.
• Reviews and analyzes all customer financial information to ensure sound credit decisions are made.
• Documents the detail and requirements of loan decisions, including conditions to close.
• Prepare written loan presentations, includes preparing objective written credit analysis to include appropriate risk rating.
• Successfully communicate with internal and external customer to ensure timely exchange of credit information.
• Maintains knowledge of lending policies, risk rating requirements and compliance standards.
• Projects as assigned.

Qualifications:

• Bachelor’s degree with a concentration in Business, Finance or related or equivalent experience
• 1-2 years of commercial credit experience preferred
• Experience in banking and working knowledge as a credit analyst
• Strong verbal and written communication skills
• Multitask and work independently
• Analyze and solve problems
• Take independent action within established guidelines and develop new procedures and approaches when needed

Benefits:

• Medical, Vision and Dental, Life, Disability, Flexible Spending, HSA, EAP, Wellness Program
• 401(k) with Employer Match and Profit Sharing
• Paid Time Off, Personal Day, Flex Time, Volunteer Hours
• Paid Holidays
• Fun and friendly family-owned work environment