Senior Credit Analyst

BNC National Bank; Bismarck (ND); On-site; USD 90,000 - 130,000; Full time

Job summary

BNC National Bank is seeking a Senior Credit Analyst to join our Credit Administration team in North Dakota. This is a senior-level role focusing on the technical side of commercial credit analysis and underwriting, with mentoring and development responsibilities for other credit professionals.

You will perform complex credit analysis, review borrower financials, and prepare comprehensive memorandums to support risk-based lending decisions.

Qualifications

• At least five years of progressive commercial underwriting/credit analysis experience.
• Experience in commercial real estate, C&I, and SBA lending.
• Mentoring or training experience is a plus.

Responsibilities

• Perform complex commercial credit analysis and underwriting
• Analyze borrower financials, cash flow, collateral, repayment capacity, and overall credit risk
• Prepare and present comprehensive credit memorandums
• Make recommendations regarding risk ratings, loan structure, covenants, collateral, and risk mitigation
• Support complex and higher-risk commercial transactions
• Mentor and coach members of the underwriting team
• Serve as a resource for credit policy, underwriting practices, and complex transactions
• Contribute to process improvement and the continued development of our Credit function

Skills

Commercial credit analysis

Underwriting

Mentoring

Credit policy

Financial statement analysis

Job description

Are you an experienced commercial credit professional looking for an opportunity to take your expertise to the next level?

BNC National Bank is looking for a Senior Credit Analyst to join our Credit Administration team!

This is a senior-level opportunity for someone who enjoys the technical side of commercial credit analysis and underwriting while also having an interest in mentoring, coaching, and developing other credit professionals.

In this role, you will:

• Perform complex commercial credit analysis and underwriting
• Analyze borrower financials, cash flow, collateral, repayment capacity, and overall credit risk
• Prepare and present comprehensive credit memorandums
• Make recommendations regarding risk ratings, loan structure, covenants, collateral, and risk mitigation
• Support complex and higher-risk commercial transactions
• Mentor and coach members of the underwriting team
• Serve as a resource for credit policy, underwriting practices, and complex transactions
• Contribute to process improvement and the continued development of our Credit function

We’re looking for someone with at least five years of progressive commercial underwriting and/or credit analysis experience, with experience in commercial real estate, C&I, and SBA lending. Previous mentoring, coaching, or training experience is a plus!

This is a great opportunity to join a community-focused bank where your expertise can make a meaningful difference—not only in the quality of our commercial lending portfolio, but also in the development of the professionals around you.

Equal Employment Opportunity Statement:

BNC National Bank is an Equal Opportunity Employer and is committed to creating an inclusive environment for all employees. Employment decisions are based on qualifications, merit, and business needs without regard to legally protected characteristics.