Senior Credit Analyst

1650 W 82nd Street Ste 1500, Bloomington, MN 55431

Are you a detail-oriented professional with expertise in analyzing and underwriting commercial loans? As a Senior Credit Analyst at UBB, you will play a vital role in ensuring loan presentations adhere to regulatory specifications by supporting a lender’s book of business. Apply today and join the UBB team to help shape the future of our commercial credit operations.

This position is based in Bloomington, Minnesota and will have the opportunity to work remotely up to two days per week.

• Analyzes and underwrites Commercial customers and credit products that include Commercial Real Estate [CRE], Commercial and Industrial [C & I] businesses, agricultural entities, bank holding companies and their subsidiary banks and individuals.
• Demonstrated financial and risk analysis skills that include:
  • For new originations, reviews loan applications and analyzes credit information to make a general assessment of a customer’s creditworthiness.
  • Conducts in-depth review of balance sheet and profit and loss statements presented by applicants for large Commercial loans or lines of credit.
  • Analyzes appraisals for real estate, equipment and/or business value to determine if the Bank is adequately collateralized.
  • Assess cash flow, liquidity, quality of management, market position and overall business climate to estimate future profitability of business.
  • Assigns risk rating to individual credits.
• Monitors financial documentation ticklers for accuracy to ensure this information is up-to-date.
• Performs annual reviews for existing borrowing customers.
• Develops strong relationships with UBB’s correspondent banks that result in an effective sharing of information and partnership.

• Medical, Dental, and Vision
• HSA with a generous company contribution
• Medical and Dependent Care Flexible Spending Accounts
• 401(k) plan with a 3% company contribution, plus up to an additional 1% match – Roth option available
• 12 Paid holidays

• $75,000.00 - $90,000.00 Salary; depending on education, qualifications, experience
• Annual bonus target: 7% of annual pay dependent on company and personal performance

• Bachelor’s degree in business, finance or similar field required
• Minimum of 3 years of experience as a Commercial Credit Analyst
• Excellent verbal and written communication skills
• Technical aptitude
• Problem solving and presentation skills

Headquartered in Bloomington, MN and chartered in 1975, United Bankers’ Bank (UBB) is the nation’s first bankers’ bank. Today, UBB has over $1 billion in assets, and is a trusted correspondent banking partner to over 1,000 community banks from the West Coast to the Great Lakes and South Atlantic. Our “First for Your Success” motto is a guiding principle that establishes the success of each and every customer and UBB employee as our number one priority.

United Bankers’ Bank is an EEO/AA employer:
All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status or any other characteristic protected by law.

To continue to learn more about our superior benefits package and apply for this position, please visit our Careers page at

MBA Job number/Date Added: H‑7960 – 3/7/25