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Credit Risk Analyst Jobs in Minnesota (NOW HIRING)

Compeer Financial

Sr Credit Officer Risk

Waite Park, MN · Hybrid

This position is responsible for the management and servicing of high risk asset portfolio's across ... Credit Analysis and Decision Making * Analyzes financial and supporting information submitted for ...

U.S. Bank

Audit Project Manager - Credit Risk

Minneapolis, MN · On-site

$108.60K - $142.50K/yr

CECL, credit loss forecasting, and credit analytics processes * Regulatory or supervisory credit ... credit risk management. * Working knowledge of the IIA Practice Guide on Reliance on Other ...

Huntington

Segment Risk Specialist Sr

Minnetonka, MN · On-site +1

$57K - $113K/yr

Description The Senior Risk Analyst is responsible for identifying, assessing, and mitigating credit, fraud, and operational risks across the merchant services portfolio. This role provides expert ...

Huntington

Segment Risk Specialist Sr

Minnetonka, MN · On-site +1

$57K - $113K/yr

Description The Senior Risk Analyst is responsible for identifying, assessing, and mitigating credit, fraud, and operational risks across the merchant services portfolio. This role provides expert ...

IDI Distributors

Credit Analyst

Chanhassen, MN

$72.14K - $101.05K/yr

Compensation: $72,142 - $101,050 The Credit Analyst is responsible for managing all credit ... credit risk. * Review customer orders exceeding credit limits or past due triggers, taking ...

Insulation Distributors

Credit Analyst

Chanhassen, MN · On-site

$72.14K - $101.05K/yr

Compensation: $72,142 - $101,050 The Credit Analyst is responsible for managing all credit ... credit risk. * Review customer orders exceeding credit limits or past due triggers, taking ...

Choice Bank

Credit Officer

Golden Valley, MN · On-site

$65.47K - $131.59K/yr

Evaluates the credit quality and suggests proper risk rating based on analysis in the Credit Memo. Ensures relationships are appropriately risk rated during the underwriting process and recommends ...

Choice Bank

Credit Officer

Minneapolis, MN · On-site

$65.47K - $131.59K/yr

Evaluates the credit quality and suggests proper risk rating based on analysis in the Credit Memo. Ensures relationships are appropriately risk rated during the underwriting process and recommends ...

Choice Bank

Credit Officer

Minneapolis, MN · On-site

Evaluates the credit quality and suggests proper risk rating based on analysis in the Credit Memo. Ensures relationships are appropriately risk rated during the underwriting process and recommends ...

Choice Bank

Credit Officer

Golden Valley, MN · On-site

$65.47K - $131.59K/yr

Evaluates the credit quality and suggests proper risk rating based on analysis in the Credit Memo. Ensures relationships are appropriately risk rated during the underwriting process and recommends ...

US Bank

Credit Risk Python Architect

Minneapolis, MN

$111.61K - $131.30K/yr

... Credit Risk Administration credit models, analytics, and reporting. We are seeking a Python ... Strong analytical, organizational, problem-solving, negotiation, and project management skills

Grain Millers

Credit Manager

Eden Prairie, MN

... and analytical skills needed to manage risk effectively and consistently. You're comfortable ... Proven ability to manage credit portfolios, monitor exposure, and minimize bad debt Preferred

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Credit Risk Analyst information

See Minnesota salary details

$36.2K

$111.5K

$193.4K

How much do credit risk analyst jobs pay per year?

As of May 29, 2026, the average yearly pay for credit risk analyst in Minnesota is $111,536.00, according to ZipRecruiter salary data. Most workers in this role earn between $80,800.00 and $137,600.00 per year, depending on experience, location, and employer.

What Does a Credit Risk Analyst Do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

What are some common challenges faced by Credit Risk Analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What is the difference between Credit Risk Analyst vs Credit Analyst?

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

More about Credit Risk Analyst jobs
What are popular job titles related to Credit Risk Analyst jobs in Minnesota? For Credit Risk Analyst jobs in Minnesota, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Minnesota look for? The top searched job categories for Credit Risk Analyst jobs in Minnesota are:
What are popular job titles related to Credit Risk Analyst jobs in MN? For Credit Risk Analyst jobs in MN, the most frequently searched job titles are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Minnesota as of May 2026, with employment types broken down into 1% As Needed, 84% Full Time, 10% Part Time, 3% Temporary, and 2% Contract. Highlights an 71% Physical, 4% Hybrid, and 25% Remote job distribution, with an average salary of $111,536 per year, or $53.6 per hour.
Sr Credit Officer Risk

Sr Credit Officer Risk

Compeer Financial

Waite Park, MN • Hybrid

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 27 days ago

Job description

Empowered to live. Inspired to work.
Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally.

How we support you:

  • Hybrid model - up to 50% work from home
  • Flexible schedules including ample flexibility in the summer months
  • Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match)
  • Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP
  • Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off
  • Learning and development programs
  • Mentorship programs
  • Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.)
  • Professional membership/certification reimbursement and more!

Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs.

To learn more about Compeer Financial visitwww.compeer.com/careers.

This position offers a hybrid work option up to 50% remote and is based out of the Waite Park, MN office location.

The contributions you will make:

This position is responsible for the management and servicing of high risk asset portfolio's across an assigned region or territory. Evaluates, underwrites and makes credit decisions for commercial, traditional, investor, and consumer loan requests originated by Compeer team members and decides if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship based financial solutions for farmers, investors, and rural consumers in area of expertise within delegated authority. May be assigned a specific industry or subject matter on which to focus.

A typical day:

Credit Analysis and Decision Making

  • Analyzes financial and supporting information submitted for formal and informal lending and servicing requests.
  • Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.
  • Approves, declines, or escalates credit decision to higher authority levels as required.
  • Determines appropriate level of analysis and due diligence required based on credit risk
  • Determines appropriate account classification and probability of default rating.
  • Effectively communicates the credit decision, terms, conditions, and findings through a formal narrative write-up.
  • Establishes loan conditions and closing requirements for approved actions.
  • Answers questions and provides direction on any credit related issues that arise during the processing, closing, and servicing of lending transactions.
  • Serves as a resource to credit team members regarding policies, procedures, and credit related matters.

Credit Counseling

  • Partners with team members to provide credit counsel and financial solution options for clients.
  • Determines how to structure credits to meet internal lending requirements, client expectations, and the organizations growth objectives.
  • Meets with clients to provide quantitative assessments of financial performance in relation to internal lending standards.
  • Monitors assigned credit leasing portfolio and assists Farm Credit Leasing Special Assets and Compeer Risk Asset units as required in servicing delinquent and stressed accounts.
  • Establishes servicing plans and other monitoring requirements for financially stressed accounts

Collection Services

  • Conducts and participates in complex negotiations for collecting or correcting non-performing accounts.
  • Approves or denies restructuring applications, standstill agreements and re-amortizations.
  • Counsels and convinces clients to agree on a workable solution.
  • Approves sending account to attorney to file litigation.
  • Inspects security to determine condition and approves partial release of security.
  • Discusses collection strategies with peers, legal counsel, and various research companies to develop the best collection strategy
  • Manages the collections of loans for contract entity by collecting loan payoffs and negotiating settlements.
  • Manages legal activities related to strategy, litigation, proceedings and hearings

Subject Matter Expert

  • Acts as Compeer's representative for activities and business transactions in assigned industry or line of business.
  • Keeps knowledge up to date with industry trends and procedures.
  • Attends off site training events to keep current as necessary.

The skills and experience we prefer you have:

  • Bachelor's degree in agriculture, finance, accounting, or related field; or an equivalent combination of education and experience sufficient to perform the essential functions of the job.
  • 5+ years of experience in agriculture and business/finance.
  • Oral and written communication skills sufficient to discuss a variety of job-related topics and effectively communicate complex topics to a variety of audiences.
  • Skill in analyzing information to formulate logical and objective conclusions.
  • Skill in utilizing Word/Excel/PowerPoint/Outlook to increase efficiency and/or effectiveness.
  • Skill in utilizing a systematic approach to problem solving.
  • Solid knowledge of loan analysis and sound credit administration principles.
  • Skill in negotiating acceptable and favorable terms and conditions related to loan collections.
  • Solid knowledge of Borrower Rights related to loan servicing.
  • Working knowledge of real estate marketing related to acquired property management.
  • Extensive Credit Underwriting experience.
  • Basic accounting knowledge.
  • Ability to establish and maintain a network of internal and external agricultural influencers and professionals

#IND100

How we will take care of you:

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.

Base Pay
$94,400—$142,900 USD

Compeer Financial is 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.

Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.

Click here to view federal employment laws applicable for applicants.

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