Credit Officer II

Title:

Credit Officer

Location:

Fargo, ND (Grand Forks also an option)
Job Type: Permanent/Direct-Hire Compensation: $72,Industry: Banking & Financial Services-About the Role Our firm is partnering with a well-established regional financial institution to identify a Credit Officer to join its commercial banking team in Grand Forks, North Dakota. This organization serves a diverse client base across commercial industries and is known for its relationship-focused approach, strong community presence, and commitment to balancing sound risk management with practical business solutions.

This role is ideal for a credit professional with a background in commercial credit analysis, underwriting, or credit risk management who enjoys evaluating complex lending opportunities and partnering with commercial banking teams to support responsible portfolio growth. The successful candidate will work with an experienced, collaborative leader who values employee development, open communication, and solution-oriented thinking.

Job Description The Credit Officer will be responsible for supporting the commercial credit risk management function by evaluating commercial lending opportunities, assessing portfolio risk, and providing independent credit recommendations. This role requires strong analytical skills, sound judgment, and the ability to identify emerging business and industry trends that may affect borrower performance and credit quality.

Key Responsibilities Analyze and spread commercial financial statements for existing and prospective borrowers.

Prepare comprehensive written credit analyses for new loans, renewals, modifications, and annual reviews.

Assess borrower financial performance, repayment capacity, and overall creditworthiness.

Identify business, industry, and market trends that may impact credit quality and lending decisions.

Provide independent recommendations regarding credit structure, loan feasibility, collateral requirements, repayment terms, and pricing considerations.

Monitor portfolio credit quality and review interim financial reporting to identify potential risk concerns.

Maintain and validate loan risk ratings to ensure accurate reflection of portfolio risk exposure.

Participate in loan committee meetings and support commercial lending teams with credit-related guidance.

Attend client meetings alongside commercial banking officers when appropriate.

Ensure compliance with internal credit policies, procedures, and regulatory requirements.

Support audits, regulatory examinations, reporting initiatives, and other credit risk management activities as needed.

Assist in the development, mentoring, and training of team members within the credit administration function.

Collaborate with loan documentation and loan operations staff to ensure accurate and compliant loan processing.

Manage multiple priorities and systems while maintaining high-quality work and meeting established deadlines.

Qualifications Required Bachelor 's degree in Finance, Accounting, Business Administration, or a related field.
3-5 years of experience in commercial credit analysis, credit underwriting, credit risk management, lending, or bank examination.

Experience analyzing commercial financial statements and evaluating commercial lending opportunities.

Strong understanding of commercial credit principles, loan structures, and risk assessment methodologies.

Excellent analytical, written, and verbal communication skills.

Ability to exercise independent judgment when evaluating credit risks and recommending lending decisions.

Proficiency with financial analysis tools, banking systems, and Microsoft Office applications.

Strong organizational skills with the ability to manage multiple deadlines and priorities.

Preferred Commercial…