Come Grow with Us and Join an Award-Winning Organization! Stearns Bank is looking for a Credit Analyst Supervisor based out of our Financial Center in St. Cloud, Minnesota. JOB SUMMARY Position manages a Credit Analyst group with a focused attention to deal flow and write-up preparation. Additional primary responsibilities include preparing and reviewing loan write-ups, annual reviews, and monitoring credit file information. RESPONSIBILITIES Provide leadership, direction and assistance to Credit Analysts Monitor deal flow and ensure effective communication Coach and mentor Conduct performance reviews and performance counseling Spread and analyze both business and personal financial statements and tax returns. Pull credit bureau reports and generate credit references as required. Generate projections as needed and perform sensitivity analysis. Document any findings/exceptions for Loan Officers and Loan Committee after the analysis of: Borrower s financial condition. Repayment capacity and collateral coverage. Overall credit risk, including strengths and weaknesses, and assign preliminary risk rating. Loan structure and documentation for compliance with bank loan policy, underwriting guidelines and National Banking Laws and Regulations. Assist with the following: On-going completion of credit analysis/review function. Past due/non-accrual and watch list, loan monitoring and collection, including borrowing base compliance. Assist with document filing and tickler system; monitor and discuss exceptions and any other information needs with Lead Credit Analyst and Loan Officers. Check pledged assets as requested by Loan Officers Maintain working knowledge of legal and regulatory compliance issues as they pertain to this position. Complete all required training. Loss prevention and security as applicable for this position. Assume additional responsibilities as required. THE COMPANY Founded in 1912, Stearns Financial Services Inc. (SFSI) is a $2.4 billion well-capitalized, independent financial holding company based in St. Cloud, Minnesota. Specializing in nationwide small business lending and equipment financing, Stearns has maintained outstanding customer service, fast decisions, and customized finance solutions to their customers for decades. Stearns Bank has earned itself a stellar reputation amongst customers and competitors alike. This reputation goes beyond just word-of-mouth, as Stearns has been recognized by the Independent Community Banker s Association (ICBA) as a top-performing bank in the nation based on a 3-year average Return on Assets for banks $1 billion or more. Stearns has also been recognized by American Banker as a top-performing bank in the nation over a 3-year period for Return on Equity for banks from $2 billion to $10 billion. As a Star Tribune Top Workplaces award recipient and an award recipient of the Minnesota Business Magazine 100 Best Places to Work in Minnesota, Stearns takes pride in their team and holds their employees in extremely high regard. We offer a competitive salary and benefit package including our Employee Stock Ownership Program-one of the best long-term incentive programs in the nation. EQUAL OPPORTUNITY EMPLOYER /AFFIRMATIVE ACTION PLAN We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, or creed, religion, sex, marital status, familial status, sexual orientation, national origin, age, disability, veteran s status, status with regard to public assistance, or any other class protected by Federal, State, local laws governing nondiscrimination in employment.
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