Senior Commercial Credit Risk Analyst

BELL BANK; Fargo (ND); On-site; USD 70,000 - 115,000; Full time

Job summary

Bell Bank in Fargo, ND is seeking an experienced credit risk professional responsible for the commercial risk management of the bank's loan portfolio, including developing trends and independent assessments of borrowers' capacity to withstand risks.

The role emphasizes independent judgment on credit risk, loan documentation, and collaboration with lending officers, loan committees, and audit/exam activities.

Qualifications

• Bachelor’s degree in accounting, finance, business administration, or related field.
• 4–6 years of credit, lending or examining experience.
• Strong written and verbal communication skills.
• Working knowledge of loan documentation.
• Proficiency with computer technology and financial analysis.

Responsibilities

• Spread and analyze 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.
• Maintain loan risk ratings to reflect the risks inherent in the credit and ensure accuracy.
• Monitor credit quality through interim financial statements to provide early warning of deterioration.
• Attend joint client calls with commercial/ag lending officers when appropriate.
• Provide input to lending officers on terms for credit requests including costs, repayment methods and collateral.
• Participate in loan committees as needed.
• Develop and maintain understanding of the Bank’s credit policies and processes.
• Assist Credit Manager and team with training and development of staff.
• Participate in administration of loan policy and adherence to conditions.
• Support executive management reports, audits, and regulatory examinations.
• Guide loan documentation preparation with document representatives.
• Support secondary exposure approval process for ACH requests.
• Mentor other team members in credit administration.

Skills

Credit analysis

Financial statement analysis

Loan documentation

Written communication

Time management

Multitasking

Organizational skills

Problem solving

Education

Bachelor's degree in accounting/finance/business administration or related field

Tools

Microsoft Office

Job description

Bell Bank in Fargo, ND is seeking an experienced credit risk professional responsible for the commercial risk management of the bank's loan portfolio, including developing trends and independent assessments of borrowers' capacity to withstand risks.

The role emphasizes independent judgment on credit risk, loan documentation, and collaboration with lending officers, loan committees, and audit/exam activities.