Credit Analyst

Summary

Bank of North Dakota is seeking a Credit Analyst to support lending and economic growth across North Dakota. The role evaluates repayment capacity and creditworthiness for complex commercial, agricultural, industrial, and distressed-business loan requests, prepares financial analyses, presents credit recommendations to committees and boards, and may conduct site visits and meetings.

Responsibilities

• Evaluate repayment capacity and creditworthiness of loan requests with complex cash flow structures such as large manufacturing operations, construction/development projects, sizable industrial facilities, oil and gas operations, seasonal businesses, large crop/livestock producers, operations with multiple revenue streams, and distressed businesses and farm operations
• Prepare various analyses including traditional cash flow, UCA cash flow, working capital, leverage, global cash flow, break-even, market, absorption, and capitalization
• Work within strict deadlines to prepare and present credit presentations to committees and boards
• Travel may be required to conduct site visits and attend meetings

Skills

• • Bachelor's degree in accounting, banking, business administration, or a closely related field
• • Minimum of four years of commercial credit analysis experience; agriculture credit analysis experience is preferred but not required
• • Strong analytic skills, financial acumen, sound judgement, and ability to manage deadlines in a fast-paced environment
• • Clear communication skills, professionalism, and the ability to work collaboratively with internal teams and external lending partners

Qualifications

Must Haves

• • Bachelor's degree in accounting, banking, business administration, or a closely related field
• • Minimum of four years of commercial credit analysis experience; agriculture credit analysis experience is preferred but not required
• • Strong analytic skills, financial acumen, sound judgement, and ability to manage deadlines in a fast-paced environment
• • Clear communication skills, professionalism, and the ability to work collaboratively with internal teams and external lending partners

Benefits

• Fully paid family health insurance
• Paid leave
• Flexible work-life balance options
• Retirement plans
• An infant-at-work program
• Tuition reimbursement