Agriculture Credit Analysis Lead

Hiring Range: $95,924 - $119,905 annually

Location:

This position may be located in Bank of North Dakota’s Bismarck office location with full-time in-office or hybrid work options available or may work remotely provided the candidate resides within North Dakota.

Bank of North Dakota (BND) is seeking an Agriculture Credit Analysis Lead to support the Bank’s mission of promoting agriculture, commerce, and industry across the state. As the nation’s only state-owned bank, BND partners with North Dakota’s financial institutions to help fuel economic growth and serve as the central depository for state funds, making a lasting impact in communities statewide.

We offer a comprehensive benefits package that includes fully paid family health insurance, paid leave, flexible work-life balance options, retirement plans, an infant-at-work program, tuition reimbursement, and more.

As the Agriculture Credit Analysis Lead, you will guide and mentor a team of credit analysts while also performing your own advanced credit analysis work. You will lead the credit analysis function for agriculture and agribusiness lending, support analysis for select commercial, student loan, political subdivision, bank stock, and economic development credit requests. This includes day‑to‑day leadership through workflow management, quality assurance, coaching, and performance evaluation;

prioritizing and assigning new loan requests and annual reviews; leading or contributing to Credit Administration initiatives; and presenting at the Investment Committee and other internal meetings. You will also complete your own credit presentations for moderate to highly complex agriculture and agribusiness credits, along with some commercial real estate and commercial and industrial requests, including break‑even repayment analysis, stress and scenario testing, UCA cash flow analysis, capitalization reviews, and detailed ratio analysis.

You will develop loan structure recommendations, support construction and covenant monitoring, complete annual reviews, and prepare problem loan reports that may initiate collection or foreclosure activity. Travel may be required for site visits for complex credits.

Minimum Qualifications:

A bachelor’s degree in finance, accounting, economics, business administration, or a related field, along with seven years of experience in commercial and/or agriculture credit analysis, credit administration, banking, financial analysis, or similar work. Two years of supervisory experience is preferred but not required.

The State of North Dakota and this hiring agency do not discriminate on the basis of race, color, national origin, sex (including sexual orientation and gender identity), genetics, religion, age or disability in employment or the provisions of services and complies with the provisions of the North Dakota Human Rights Act.