Credit Officer II

Dahl Consulting; Fargo (ND); On-site; USD 73,000 - 100,000; Full time

Benefits offered by this job

Healthcare

Dental

Vision

Employee stock ownership program

401(k) plus profit sharing

Job summary

Dahl Consulting seeks a Credit Officer in Fargo, ND to join a commercial banking team. The role involves evaluating commercial lending opportunities, assessing portfolio risk, and providing independent credit recommendations alongside experienced credit professionals.

Responsibilities include spreading financial statements, preparing credit analyses, monitoring credit quality, and ensuring compliance with internal policies.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 3-5 years of experience in commercial credit analysis, underwriting, risk management, or banking.
• Experience analyzing commercial financial statements and evaluating lending opportunities.

Responsibilities

• Analyze and spread commercial financial statements for borrowers.
• Prepare written credit analyses for new loans, renewals, and reviews.
• Assess borrower performance, repayment capacity, and creditworthiness.
• Identify market trends affecting credit quality and lending decisions.
• Monitor portfolio credit quality and support loan committees.

Skills

Credit analysis

Underwriting

Credit risk management

Analytical skills

Written communication

Verbal communication

MS Office

Education

Bachelor's degree in Finance, Accounting, Business Administration, or related field

Tools

Banking systems

Financial analysis tools

Job description

Title: Credit OfficerLocation: Fargo, ND (Grand Forks also an option)Job Type: Permanent/Direct-HireCompensation: $72,500-100,000Industry: Banking & Financial Services-About the RoleOur firm is partnering with a well-established regional financial institution to identify a Credit Officer to join its commercial banking team in Grand Forks, North Dakota. This organization serves a diverse client base across commercial industries and is known for its relationship-focused approach, strong community presence, and commitment to balancing sound risk management with practical business solutions.This role is ideal for a credit professional with a background in commercial credit analysis, underwriting, or credit risk management who enjoys evaluating complex lending opportunities and partnering with commercial banking teams to support responsible portfolio growth. The successful candidate will work with an experienced, collaborative leader who values employee development, open communication, and solution-oriented thinking.Job DescriptionThe Credit Officer will be responsible for supporting the commercial credit risk management function by evaluating commercial lending opportunities, assessing portfolio risk, and providing independent credit recommendations. This role requires strong analytical skills, sound judgment, and the ability to identify emerging business and industry trends that may affect borrower performance and credit quality.Key ResponsibilitiesAnalyze and spread commercial financial statements for existing and prospective borrowers.Prepare comprehensive written credit analyses for new loans, renewals, modifications, and annual reviews.Assess borrower financial performance, repayment capacity, and overall creditworthiness.Identify business, industry, and market trends that may impact credit quality and lending decisions.Provide independent recommendations regarding credit structure, loan feasibility, collateral requirements, repayment terms, and pricing considerations.Monitor portfolio credit quality and review interim financial reporting to identify potential risk concerns.Maintain and validate loan risk ratings to ensure accurate reflection of portfolio risk exposure.Participate in loan committee meetings and support commercial lending teams with credit-related guidance.Attend client meetings alongside commercial banking officers when appropriate.Ensure compliance with internal credit policies, procedures, and regulatory requirements.Support audits, regulatory examinations, reporting initiatives, and other credit risk management activities as needed.Assist in the development, mentoring, and training of team members within the credit administration function.Collaborate with loan documentation and loan operations staff to ensure accurate and compliant loan processing.Manage multiple priorities and systems while maintaining high-quality work and meeting established deadlines.QualificationsRequiredBachelor's degree in Finance, Accounting, Business Administration, or a related field.3-5 years of experience in commercial credit analysis, credit underwriting, credit risk management, lending, or bank examination.Experience analyzing commercial financial statements and evaluating commercial lending opportunities.Strong understanding of commercial credit principles, loan structures, and risk assessment methodologies.Excellent analytical, written, and verbal communication skills.Ability to exercise independent judgment when evaluating credit risks and recommending lending decisions.Proficiency with financial analysis tools, banking systems, and Microsoft Office applications.Strong organizational skills with the ability to manage multiple deadlines and priorities.PreferredCommercial underwriting experience.Experience working primarily within commercial banking rather than consumer lending.Agricultural lending or agricultural credit experience.Knowledge of loan documentation and commercial loan administration processes.Experience participating in loan committees or credit approval processes.Prior experience mentoring junior credit professionals or supporting staff development initiatives.BenefitsOur partner offers a comprehensive benefits package including, healthcare, (medical, dental, vision) employee stock ownership program, and 401(k) contribution and profit-sharing plan. All benefits are subject to eligibility requirements.How to ApplyTake the first step on your new career path! To submit yourself for consideration for this role, simply click the apply button and complete our mobile-friendly online application. Once we’ve reviewed your application details, a recruiter will reach out to you with next steps!Equal Opportunity StatementAs an equal opportunity employer, Dahl Consulting welcomes candidates of all backgrounds and experiences to apply. If this position sounds like the right opportunity for you, we encourage you to take the next step and connect with us. We look forward to meeting you!#AF.Indeed#ZR#LI-MJ1#LI-Onsite