Credit Officer 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

This position will be responsible for functions associated with the commercial credit risk management of the bank. This position will also be responsible for identifying and understanding developing trends and providing a thorough, independent assessment of a borrower's capacity to withstand the risks posed by these trends through the preparation of written, in-depth analyses of business, management and industry factors. A primary component of this position will involve the exercise of independent judgment and discretion on matters pertaining to the identification and management of the credit risk and quality of the bank's commercial loan portfolio.

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 in order to develop an assessment of credit risks.
• Participate in the maintenance of the accuracy of the bank’s loan risk rating system and validate that loan risk ratings accurately reflect the risks inherent in the credit.
• As required, monitor credit quality through the review financial information such as interim financial statements, to provide early warning of possible deterioration.
• Attend joint client calls with commercial officers, when appropriate.
• Provide input to lending officers 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 a thorough understanding of the Bank’s credit policies, procedures, processes and manage to best practices.
• Assist Credit Manager and/or Credit Officer Team Lead(s) with the training and development of staff as requested.
• Participate in the administration of the Bank’s loan policy and ensure adherence to loan conditions.
• May also support other credit risk management activities including those related to preparation of executive management and/or board of directors’ reports, internal or external audits, and regulatory examinations.
• Provide guidance to loan document representative and commercial loan coordinator in preparation of loan documentation.
• Provide support to the secondary exposure approval process for ACH requests as needed.
• Mentor other Bank team members in the credit administration process.

Bell Bank Culture, Policy and Accountability Standards

• Know and live Bell Bank’s values, bottom line, customer service standards, Golden Rules, and LOCBUTN by building personal connections with customers and employees and using their names as often as possible.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Code of Conduct, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations

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

Knowledge, Skills, and Abilities

• Working knowledge of loan documentation.
• Above-average written and communication skills.
• Proficiency with computer technology.
• Ability to deal with multiple tasks and deadlines.
• Effective time management and organizational skills.