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Collateral Analyst Jobs in Minnesota (NOW HIRING)

Choice Bank

Credit Analyst

Golden Valley, MN · On-site

$48K - $89K/yr

Collateral analysis: BBCs, real estate and equipment appraisals, collateral audits, contracts, and purchase agreements. * Guarantor analysis: cash flow, personal financial statements, and credit ...

Choice Bank

Credit Analyst

Golden Valley, MN · On-site

$48K - $89K/yr

Collateral analysis: BBCs, real estate and equipment appraisals, collateral audits, contracts, and purchase agreements. * Guarantor analysis: cash flow, personal financial statements, and credit ...

Choice Bank

Credit Analyst

Minneapolis, MN · On-site

$48K - $89K/yr

Collateral analysis: BBCs, real estate and equipment appraisals, collateral audits, contracts, and purchase agreements. * Guarantor analysis: cash flow, personal financial statements, and credit ...

Superior Choice Credit Union

Credit Analyst

Duluth, MN · On-site

$25 - $35/hr

Monitoring loan collateral, valuations, and inspections to ensure compliance with agreements and ... Enjoy analyzing financial data and translating it into clear recommendations * Are highly organized ...

PACE Loan Group

Capital Markets Analyst

Minneapolis, MN · On-site

$65K - $75K/yr

Perform analysis for PACE transactions including analysis of collateral and deal structure * Build and maintain financial models to support deal structuring and scenario analysis * Support ...

PACE Loan Group

Capital Markets Analyst

Minneapolis, MN · On-site

$65K - $75K/yr

Perform analysis for PACE transactions including analysis of collateral and deal structure * Build and maintain financial models to support deal structuring and scenario analysis * Support ...

MidCountry Bank

Sr Credit Analyst

Minneapolis, MN · On-site

$100K - $115K/yr

Evaluate and analyze secondary sources of repayment, including collateral and guarantors, to determine adequate repayment sources for the loan. * Compare customer financial status to industry norms ...

Bridgewater Bank

Credit Analyst Lead

Saint Louis Park, MN · Hybrid

$94K - $114K/yr

Collect, review and analyze loan requests, financial information and collateral evaluations for larger, more complex deals * Prepare annual reviews of existing loan relationships * Approve covenant ...

Bridgewater Bank

Credit Analyst Lead

Saint Louis Park, MN · On-site

$94K - $114K/yr

Collect, review and analyze loan requests, financial information and collateral evaluations for larger, more complex deals * Prepare annual reviews of existing loan relationships * Approve covenant ...

Bridgewater Bank

Credit Analyst Lead

Greenwood, MN · On-site

$94K - $114K/yr

Collect, review and analyze loan requests, financial information and collateral evaluations for larger, more complex deals * Prepare annual reviews of existing loan relationships * Approve covenant ...

Bridgewater Bank

Credit Analyst Lead

Greenwood, MN · Hybrid

$94K - $114K/yr

Collect, review and analyze loan requests, financial information and collateral evaluations for larger, more complex deals * Prepare annual reviews of existing loan relationships * Approve covenant ...

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All JobsCollateral Analyst JobsCollateral Analyst Jobs in Minnesota

Collateral Analyst information

See Minnesota salary details

$18

$37

$54

How much do collateral analyst jobs pay per hour?

As of Jul 17, 2026, the average hourly pay for collateral analyst in Minnesota is $37.33, according to ZipRecruiter salary data. Most workers in this role earn between $27.07 and $50.62 per hour, depending on experience, location, and employer.

Will AI replace credit analyst?

AI can automate certain tasks performed by collateral analysts, such as data analysis and risk assessment, but it is unlikely to fully replace the role. Human judgment remains essential for interpreting complex information and making nuanced decisions in credit analysis. Professionals in this field may need to develop skills in data interpretation and AI tools to stay relevant.

What are some common challenges faced by Collateral Analysts and how can they be addressed?

Collateral Analysts often encounter challenges such as managing large volumes of complex data, keeping up with changing regulatory requirements, and ensuring the accuracy of collateral valuations. To address these, strong attention to detail, proficiency with financial software, and continuous professional development are essential. Regular communication with lending officers, risk teams, and clients also helps in identifying discrepancies early and maintaining compliance with industry standards.

What Does a Collateral Analyst Do?

A collateral analyst works for a loan company or financial institution. Their primary job duties include reviewing all collateral that is provided by a borrower to secure a potential loan. They consider all of the information provided and ensure that it meets the compliance and financial requirements for a loan. A collateral analyst may also coordinate with credit management if there are outstanding disputes over the collateral. They provide reports on all accounts and maintain a large quantity of documentation.

What is the difference between Collateral Analyst vs Credit Analyst?

AspectCollateral AnalystCredit Analyst
Primary FocusEvaluates and manages collateral assets to mitigate risk in lendingAssesses the creditworthiness of borrowers to approve or deny loans
Required CredentialsTypically a bachelor's degree in finance, accounting, or related field; certifications like CFA are a plusSimilar credentials; often holds degrees in finance or economics; certifications like CFA are common
Work EnvironmentFinancial institutions, banks, or investment firmsBanking, financial services, or lending institutions
Common UsageUsed when analyzing collateral assets such as securities or propertyUsed when evaluating overall borrower risk and credit profiles

While both roles require financial analysis skills and similar credentials, Collateral Analysts focus on assessing collateral assets to secure loans, whereas Credit Analysts evaluate the overall creditworthiness of borrowers. Both roles are vital in lending processes within financial institutions.

What does a collateral analyst do?

A collateral analyst evaluates and manages the collateral assets backing loans or credit facilities to ensure they meet the required standards and value. They analyze financial documents, assess risk, and use tools like spreadsheets and financial software to monitor collateral performance and compliance throughout the loan lifecycle.

What jobs pay 500,000 a year in the US?

In the US, high-paying roles such as senior investment bankers, hedge fund managers, and top executives can earn $500,000 or more annually. These positions often require extensive experience, advanced degrees, and strong industry networks, with compensation frequently including bonuses and incentives.

What jobs make $1,000,000 a year?

In the context of a Collateral Analyst, earning $1,000,000 annually is uncommon and typically requires senior-level positions in finance, investment banking, or hedge funds, often involving significant bonuses and incentives. High-paying roles in finance may require advanced certifications, extensive experience, and a strong track record. Most professionals in this field do not reach this income level without progressing into executive or partner roles over many years.

What are the key skills and qualifications needed to thrive as a Collateral Analyst, and why are they important?

To thrive as a Collateral Analyst, you need strong analytical skills, attention to detail, and a background in finance, accounting, or a related field—often supported by a relevant degree. Familiarity with financial analysis software, loan management systems, and tools like Excel is typically required, and certifications such as CFA or CPA can be advantageous. Effective communication, problem-solving abilities, and organizational skills help set top performers apart in this role. These competencies are crucial for ensuring accurate collateral valuation and risk assessment, which support sound lending decisions and reduce financial risk for institutions.

What are Collateral Analysts?

Collateral Analysts are financial professionals who assess, monitor, and manage the value of assets pledged as collateral for loans or other financial agreements. They ensure that the collateral meets lending requirements, track its value over time, and help mitigate the lender’s risk by verifying that the collateral is sufficient to cover the loan. Their role often involves analyzing financial statements, appraisals, and market trends to make informed recommendations. Collateral Analysts typically work for banks, financial institutions, or lending companies.
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Collateral Analyst jobs near you
Appraisal Review Analyst

Appraisal Review Analyst

Invictus Capital Partners

Bloomington, MN

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted just now

Job description

The Appraisal Review Analyst is responsible for reviewing and analyzing real estate appraisals to ensure accuracy, completeness, and compliance with company policies, industry standards, and regulations. This role involves identifying and resolving discrepancies, performing quality control, and verifying the accuracy of property descriptions and valuation methods. The analyst will also provide detailed documentation and feedback, collaborate with teams to resolve quality issues, and maintain thorough records of all appraisals reviewed.
Appraisal Review
  • Review and analyze real estate appraisal for accuracy, completeness, reasonableness, and credibility.
  • Confirm appraisals comply with company policies, industry standards, and regulations.  
  • Identify discrepancies, inconsistencies, or errors in appraisal reports and work with AMCs to resolve issues.
  • Perform quality control on appraisals by reviewing use of comparable properties and valuation methods.
  • Verify the appraisal provides an adequate description for property type, condition, location, externalities, and market trends.
Documentation & Issue Resolution
  • Provide detailed documentation and feedback results of collateral review including potential risk issues, quality of appraisal, and justifications for approval or rejection.
  • Collaborate with review manager to resolve any discrepancies or quality issues identified in appraisal reports.
 Record Maintenance & Industry Compliance
  • Complete audits of completed reports for compliance, AMC performance, or Internal procedures.
  • Maintain detailed records of all appraisals reviewed to document results and communications.
  • Stay current on industry regulations, market trends, and changes to guidelines.
  • Bachelor's degree in real estate, finance, or a related field
  • Minimum of 5-8 years of experience in real estate appraisal or appraisal review that includes field experience
  • Strong experience performing residential appraisal reviews, collateral underwriting, correspondent and wholesale lending reviews, quality control reviews, REO, foreclosure, short sale, investor claims, and forensic review assignments. Demonstrated knowledge of appraisal standards, valuation analysis, and collateral risk assessment required.
  • Possession of an active Real Estate Appraisal License is preferred and will be considered a strong asset.
  • Strong analytical and research skills
  • Excellent written and verbal communication skills
  • Attention to detail and ability to work independently
  • Ability to handle multiple assignments and meet deadlines
  • Comfort presenting and defending analysis decisions
  • Fluency with Microsoft products including Word and Excel.

Key Competencies: 
  • Appraisal & Collateral Analysis: Demonstrates strong expertise in residential appraisal review, valuation methodologies, and collateral risk assessment 
  • Regulatory & Compliance Knowledge: Ensures appraisals comply with company policies, industry standards, and applicable regulatory requirements 
  • Analytical Thinking: Evaluates complex appraisal reports, market data, and comparable sales to identify discrepancies and assess credibility 
  • Attention to Detail: Thoroughly reviews appraisal reports for accuracy, completeness, consistency, and quality control standards 
  • Risk Identification & Decision Making: Identifies collateral risks, valuation concerns, and quality issues while providing well-supported recommendations 
  • Communication & Documentation: Clearly documents findings, communicates review results, and effectively collaborates with appraisal management companies and internal stakeholders 

How This Role Demonstrates Our Values: 
  • Integrity: Applies objective analysis and consistent review standards to ensure accurate and compliant collateral assessments 
  • Collaboration: Partners with review management, appraisal vendors, and internal teams to resolve issues and maintain appraisal quality 
  • Excellence: Delivers thorough, accurate, and timely appraisal reviews that support sound lending decisions 
  • Critical Curiosity: Continuously evaluates market trends, valuation methodologies, and emerging industry changes to strengthen collateral risk management and review processes
  • Competitive compensation package, including base salary and performance-based bonus opportunities
  • 401(k) plan with 100% company match up to 4%
  • Comprehensive health coverage: medical, dental, vision, HSA, and FSA options
  • Generous paid time off: 20 days PTO, company holidays, and sick time
  • Paid parental leave
  • Company-paid life insurance and disability coverage
  • Employee Assistance Program (EAP): mental health, financial, and wellness support
  • Professional development: tuition reimbursement and growth opportunities
  • Commuter and transit benefits

Successful applicants will exemplify strong ethics, integrity, respect for others, accountability for decisions and actions, and good citizenship.
All job duties and responsibilities must be performed within the guidelines of the Verus Residential Mortgage Employee Handbook and established company policies and procedures. It is the responsibility of each employee to maintain confidentiality of the company, its clients and to follow applicable laws and regulations in the performance of duties.
Verus Mortgage Capital is an equal opportunity employer. All qualified applicants are welcomed to apply and will receive consideration for employment without unlawful discrimination because of a person's race, religious creed, color, national origin, citizenship status, ancestry, marital status, sex, age, or sexual orientation, or because of a person's disability or medical condition.

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