Commercial Credit Risk Analyst II

bellbank; North Dakota; On-site; USD 65,000 - 95,000; Full time

Job summary

Bell Bank seeks a Commercial Credit Risk Analyst to manage risk assessment for the bank's commercial loan portfolio. You will analyze borrower financials, assess industry factors, and exercise independent judgment on credit risk decisions.

The role involves preparing in-depth credit evaluations, monitoring loan quality, and participating in loan committees. Strong underwriting experience and a bachelor’s degree are preferred.

Qualifications

• Bachelor’s degree in accounting, finance, business administration, or related field.
• 2-4 years of credit, lending or examining experience.
• Strong preference for underwriting experience.

Responsibilities

• Spread and analyze commercial financial statements, for existing and prospective clients. Provide preliminary recommendation regarding the feasibility of the credit request.
• Prepare independent, written credit evaluation of new, renewal or modification loan proposals as well as annual credit reviews.
• Identify trends and analyze performance to develop an assessment of credit risks.
• Participate in the maintenance of the loan risk rating system and validate that loan risk ratings reflect risks.
• Monitor credit quality through interim financial statements to provide early warning of deterioration.
• Attend joint client calls with commercial officers when appropriate.
• Provide input on terms under which a credit request could be structured including costs, repayment methods and collateral requirements.
• Participate in loan committees as needed.
• Develop and maintain understanding of Bell Bank’s credit policies and best practices.
• Assist Credit Manager and team leads with training and staff development.
• Participate in administration of loan policy and ensure adherence to loan conditions.
• Support other credit risk activities including executive and board reporting, audits, and regulatory examinations.
• Provide guidance to loan document representatives in loan documentation.

Skills

Credit analysis

Financial analysis

Communication skills

Time management

Education

Bachelor's degree in accounting, finance, business administration, or related field

Tools

Microsoft Office

Job description

Bell Bank seeks a Commercial Credit Risk Analyst to manage risk assessment for the bank's commercial loan portfolio. You will analyze borrower financials, assess industry factors, and exercise independent judgment on credit risk decisions.

The role involves preparing in-depth credit evaluations, monitoring loan quality, and participating in loan committees. Strong underwriting experience and a bachelor’s degree are preferred.