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.

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. In this role, you will lead the credit analysis function for agriculture and agribusiness lending, as well as support analysis for select commercial, student loan, political subdivision, bank stock, and economic development credit requests. Your work will help ensure high-quality underwriting, sound loan structures, and adherence to loan policy, regulatory requirements, and the Bank's risk management standards.

• Provide day-to-day leadership to the credit analysis team through workflow management, quality assurance, coaching, and performance evaluation.
• Prioritize and assign new loan requests and annual reviews; lead or contribute to Credit Administration initiatives; present at Investment Committee and other internal meetings.
• Collaborate with colleagues in Lending, Credit Administration, and financial institutions across North Dakota. Travel may be required for site visits, particularly for complex agriculture credits.
• Complete your own credit presentations for moderate to highly complex agriculture and agribusiness credits, along with some commercial real estate and commercial/industrial requests.
• Conduct break-even repayment analysis, stress and scenario testing, UCA cash flow analysis, capitalization reviews, and detailed ratio analysis.
• 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.

• Bachelor's degree in finance, accounting, economics, business administration, or a related field.
• Seven years of experience in commercial and/or agriculture credit analysis, credit administration, banking, financial analysis, or similar work.
• Preferred but not required:
  Two years of supervisory experience.
• Strong analytical skills, clear communication, and the ability to balance team leadership responsibilities with self-production responsibilities.
• Proactive problem‑solving approach and commitment to developing others.

The Bank offers a comprehensive benefits package including 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 or the provisions of services and complies with the provisions of the North Dakota Human Rights Act.