Commercial Credit Analysis Lead

Summary of Work

As the Commercial Credit Analysis Lead, you will guide and mentor a team of credit analysts while also performing your own advanced credit analysis work. In this role, you will lead the credit analysis function for commercial real estate and commercial and industrial loans, as well as support analysis for select agriculture, student loan, political subdivision, bank stock, and economic development credit requests. You will help ensure high quality underwriting, sound credit structures, and adherence to loan policy, regulatory requirements, and the Bank’s risk management standards.

You will provide day to day leadership to the credit analysis team through workflow management, quality assurance, coaching, and performance evaluation. You will assign and prioritize new loan requests and annual reviews; lead or contribute to Credit Administration initiatives; and present at Investment Committee and other internal meetings. This position requires strong collaboration across Lending, Credit Administration, and financial institutions across North Dakota. Travel may be required for site visits, particularly for complex commercial credits.

Along with your leadership responsibilities, you will complete your own credit presentations for moderate to highly complex commercial real estate, commercial and industrial, and select agriculture credits. Your work will include break even repayment analysis, stress and scenario testing, UCA cash flow analysis, capitalization reviews, and detailed ratio analysis. You will develop loan structure recommendations, support construction and covenant monitoring, complete annual reviews, and prepare problem loan reports that may initiate collection or foreclosure activity. Site visits for self production work may be required based on credit complexity.

To be successful in this position, you will demonstrate strong analytical skills, clear communication, and the ability to balance team leadership responsibilities with self-production responsibilities. You will build strong relationships across the Bank and with external partners, make sound independent decisions, and support a collaborative, high-quality credit culture. A proactive approach to problem-solving and a commitment to developing others will help you excel in this role.

Minimum Qualifications

To be considered for this position, you must have a bachelor’s degree in finance, accounting, economics, business administration, or a related field, along with seven years of experience in commercial and/or agriculture credit analysis, credit administration, banking, financial analysis, or similar work. Two years of supervisory experience is preferred but not required.