Credit Analyst

North Star Community Credit Union; Minot (ND); On-site; USD 47,000 - 63,000; Full time

Job summary

North Star Community Credit Union is seeking a Credit Analyst in Minot, ND to evaluate risk, analyze financial information, and provide recommendations across consumer, agricultural, and commercial portfolios.

You will partner with internal teams to ensure data-driven decisions that align with North Star’s standards, focusing on accuracy, regulatory compliance, and strong service to members.

Qualifications

• Bachelor’s degree in Finance, Accounting, or Business, or equivalent experience.
• 3+ years of credit analysis or financial services experience.
• Strong understanding of financial statements and cash flow analysis.
• Ability to interpret and communicate complex financial data clearly.
• High attention to detail and strong organizational skills.
• Proficiency in Microsoft Excel and financial analysis tools.
• Ability to work collaboratively and manage multiple priorities.

Responsibilities

• Analyze financial statements, tax returns, and credit reports to assess risk.
• Prepare detailed credit presentations and recommendations for financing requests.
• Evaluate cash flow, debt service coverage, collateral, and overall financial strength.
• Monitor existing relationships and identify emerging risks.
• Partner with internal stakeholders to structure solutions that balance member needs with sound risk management.
• Ensure compliance with internal policies and regulatory requirements.
• Support portfolio reporting, trend analysis, and overall credit quality reviews.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Excel

Communicate financial data

Attention to detail

Organizational skills

Team collaboration

Education

Bachelor’s degree in Finance/Accounting/Business

Tools

Microsoft Excel

Financial analysis tools

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Analyst

Full Time Minot, ND, US 1 Attachments

Salary: $55,000.00 Annually

Make a Difference—One Credit Decision at a Time

Credit Analyst | Minot, ND

At North Star Community Credit Union, we believe every financial decision has the power to impact a member’s future. As a Credit Analyst, you play a critical role in evaluating risk, supporting sound financial decisions, and helping our members achieve their goals.

If you have a strong analytical mindset, attention to detail, and a passion for financial analysis, this is an opportunity to contribute to a mission-driven organization committed to doing what’s right for our members and our communities.

Position Overview

The Credit Analyst is responsible for analyzing financial information, assessing credit risk, and providing recommendations that support decision-making across consumer, agricultural, and commercial portfolios. This role partners closely with internal teams and leadership to ensure consistent, data-driven decisions aligned with North Star’s standards.

What You’ll Do

• Analyze financial statements, tax returns, and credit reports to assess risk
• Prepare detailed credit presentations and recommendations for financing requests
• Evaluate cash flow, debt service coverage, collateral, and overall financial strength
• Monitor existing relationships and identify emerging risks
• Partner with internal stakeholders to structure solutions that balance member needs with sound risk management
• Ensure compliance with internal policies and regulatory requirements
• Support portfolio reporting, trend analysis, and overall credit quality reviews

What You Bring

• Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience)
• 3+ years of experience in credit analysis, financial services, or related field preferred
• Strong understanding of financial statements and cash flow analysis
• Ability to interpret and communicate complex financial data clearly
• High attention to detail and strong organizational skills
• Proficiency in Microsoft Excel and financial analysis tools
• Ability to work collaboratively and manage multiple priorities

What Sets You Apart

• Experience with agricultural or commercial credit analysis
• Familiarity with a credit union or financial services environment
• Strong critical thinking and decision-making skillsCommitment to delivering a high level of service aligned with the North Star Way

Why Join North Star

• Be part of a team that puts members first
• Contribute to meaningful financial decisions that impact local communities
• Collaborative, supportive culture focused on growth and development
• Opportunities to expand your knowledge across diverse areas of financial services