Commercial Credit Analysis Lead

Hiring Range

$95,924 - $119,905 annually

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.

As the Commercial Credit Analysis Lead, you will guide and mentor a team of credit analysts while also performing your own advanced credit analysis work. In this role, you will lead the credit analysis function for commercial real estate and commercial & industrial loans, as well as support analysis for select agriculture, student loan, political subdivision, bank stock, and economic development credit requests.

You will help ensure high quality underwriting, sound credit structures, and adherence to loan policy, regulatory requirements, and the Bank's risk management standards.

You will provide day‑to‑day leadership to the credit analysis team through workflow management, quality assurance, coaching, and performance evaluation. You will assign and prioritize new loan requests and annual reviews; lead or contribute to Credit Administration initiatives; and present at Investment Committee and other internal meetings. This position requires strong collaboration across Lending, Credit Administration, and financial institutions across North Dakota.

Travel may be required for site visits, particularly for complex commercial credits.

Along with your leadership responsibilities, you will complete your own credit presentations for moderate to highly complex commercial real‑estate, commercial and industrial, and select agriculture credits. Your work will include 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.

Site visits for self‑production work may be required based on credit complexity.

You must have 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.

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.

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, and they comply with the provisions of the North Dakota Human Rights Act. As an employer, the State of North Dakota prohibits smoking in all places of state employment in accordance with N.D.C.C. § 23‑12‑10.