Credit Officer II

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

Job summary

Dahl Consulting partners with a regional financial institution to recruit a Credit Officer for its commercial banking team in Fargo, ND, with Grand Forks as an alternative location. This permanent/direct-hire position emphasizes relationship-focused service and solid risk management.

You will analyze and spread financial statements, prepare credit analyses, assess borrower performance, participate in loan committees, and ensure compliance with policies and regulatory requirements.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• 3–5 years of experience in commercial credit analysis, underwriting, risk management.
• Experience analyzing commercial financial statements and evaluating lending opportunities.
• Strong understanding of credit principles, loan structures, and risk assessment methodologies.
• Excellent analytical and written/verbal communication skills.
• Proficiency with banking systems and Microsoft Office applications.

Responsibilities

• Analyze and spread commercial financial statements for borrowers.
• Prepare comprehensive credit analyses for loans, renewals, and reviews.
• Assess borrower performance, repayment capacity, and creditworthiness.
• Identify market trends affecting credit quality and lending decisions.
• Provide independent recommendations on credit structure, collateral, and pricing.
• Monitor portfolio credit quality and review interim financials for risk concerns.
• Maintain and validate loan risk ratings to reflect portfolio risk.
• Participate in loan committee meetings and support lending teams.

Skills

Credit analysis

Underwriting

Financial statement analysis

Risk management

Communication skills

MS Office

Education

Bachelor’s degree in Finance, Accounting, or related field

Tools

Banking systems

Financial analysis software

Job description

Title: Credit Officer

Location: Fargo, ND (Grand Forks also an option)

Job Type: Permanent/Direct-Hire

Compensation: $72,500-100,000

Industry: Banking & Financial Services

About the Role

Our 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 Description

The 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 Responsibilities

• Analyze 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.

Qualifications

• Required Bachelor’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.

Preferred

• Commercial 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.