Credit Risk Analyst: Drive Loan Quality & Risk Insights

Westernbanks; West Fargo, Northern (ND, KY); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Westernbanks in West Fargo, ND seeks a Credit Risk Analyst to evaluate loan files, monitor credit quality, and strengthen risk management across lending, mortgage, and risk teams. The role offers exposure to credit reviews, portfolio reporting, mortgage quality control, and process improvement.

You will work with lenders, credit professionals, and stakeholders to ensure accurate documentation, sound credit decisions, and audit readiness while maintaining confidentiality and professional

Qualifications

• High school diploma or equivalent.
• Related banking/credit/risk experience (bank, lending, mortgage, or regulated environment).
• Ability to review detailed information, interpret policies, document findings, and communicate results clearly.
• Strong attention to detail, organization, and ability to balance multiple priorities.
• Comfort using banking systems, reporting tools, and spreadsheets.

Responsibilities

• Support credit reviews by reviewing loan files, documenting findings, and ensuring policy compliance.
• Turn data into information by compiling credit risk and loan portfolio reporting for various audiences.
• Support mortgage quality control through file reviews and findings management.
• Identify opportunities to improve reporting, documentation, procedures, and processes.
• Collaborate with lenders, credit professionals, and stakeholders to resolve findings and keep work moving.
• Support audit readiness with organized, reliable documentation.

Skills

Analytical

Attention to detail

Communication

Cross-functional collaboration

Education

Bachelor’s degree in finance, business, accounting, management, or related field

Tools

Banking systems

Reporting tools

Spreadsheets

Job description

Westernbanks in West Fargo, ND seeks a Credit Risk Analyst to evaluate loan files, monitor credit quality, and strengthen risk management across lending, mortgage, and risk teams. The role offers exposure to credit reviews, portfolio reporting, mortgage quality control, and process improvement.

You will work with lenders, credit professionals, and stakeholders to ensure accurate documentation, sound credit decisions, and audit readiness while maintaining confidentiality and professional