Commercial Credit Analyst III | Growth & Risk

Commercial Credit Analyst

We are seeking an experienced Credit Analyst (Credit Analyst III) to support our commercial lending team by delivering accurate, timely credit analysis that supports sound lending decisions. This role partners closely with loan officers to evaluate financial performance, assess risk, and contribute to the growth of a high‑quality loan portfolio. The ideal candidate brings strong commercial credit experience and takes ownership of their work.

• Analyze financial statements, tax returns, and supporting documentation to assess creditworthiness across commercial lines (CRE and C&I).
• Prepare clear credit presentations, loan summaries, and annual reviews.
• Evaluate financial trends, cash flow, and repayment capacity, identifying key risks and mitigants.
• Partner with loan officers to gather information, structure credits, and support relationships.
• May participate in customer and prospect meetings to better understand borrower needs.
• Review and provide feedback on credit work completed by others, as appropriate.
• Utilize credit systems and tools (e.g., Sageworks or similar platforms) effectively.
• Manage multiple deadlines while maintaining strong attention to detail.
• Participate in training and contribute to team knowledge sharing.

• Bachelor’s degree in finance, accounting, business, or a related field; 3–5+ years of credit analysis experience, preferably in commercial lending within a bank or credit union or an equivalent combination of education and experience.
• Ability to analyze complex financial statements, including business and personal tax returns.
• Strong written communication skills, with the ability to clearly present credit risk and recommendations.
• Detail-oriented with strong organizational and time management skills.
• Ability to manage competing priorities in a fast-paced environment.
• Experience with credit analysis software (e.g., Sageworks) preferred.

First International Bank and Trust is a family‑owned full‑service Community Bank with locations in North Dakota, South Dakota, Minnesota and Arizona.

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay

First International Bank & Trust is an Equal Opportunity Employer.

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at