Credit Analyst

Location: This position may work on-site at our Bismarck or Fargo location or may work remote provided the candidate is a ND resident and resides within the state of North Dakota. 

Summary of Work

• 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.

Minimum Qualifications

• 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.

Candidates who accept an interview will be required to provide case study material.