Commercial 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 a Commercial 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.

At BND, your work matters and your contributions are valued. 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.

Be part of something bigger-join the Bank that helps North Dakota thrive.

Summary of Work

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.

To be successful in this position, you will demonstrate strong analytical skills, clear communication, and the ability to balance team leadership responsibilities with self-production responsibilities. You will build strong relationships across the Bank and with external partners, make sound independent decisions, and support a collaborative, high-quality credit culture. A proactive approach to problem-solving and a commitment to developing others will help you excel in this role.

Minimum Qualifications

To be considered for this position, 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.

About Team ND

"Far and away the best prize life offers is the chance to work hard at work worth doing." - Theodore Roosevelt

More than 7,500 talented, hard-working people across sixty-three agencies have come together as Team North Dakota. At Team ND, we are driven to succeed through gratitude, humility, curiosity and courage. Our purpose is to empower people, improve lives, and inspire success. Join us in being legendary.

Total Rewards: The State of North Dakota is committed to providing team members with a strong and competitive rewards package that support you, your health and your family.

Considering a new position on Team ND? How does your current position stack up? Use our Total Rewards Calculator to estimate.

Application Procedures

Please attach a resume to your electronic application. All application material must be received by 11:59 PM Central Standard Time (CST) on the closing date. Application form and resume should demonstrate the knowledge, skills, and abilities that are needed to meet the minimum qualifications for this position. Application materials will be scored based on a 100-point job related personnel system. Applications should include information which directly addresses how the applicant meets the minimum qualifications and summary of work. It is very important to be thorough and detailed on all your application materials.

Applicants who experience technical difficulties during the application process should contact recruiter@nd.gov or (701) 328-3290. If accommodations or assistance is needed in the application or interview process, please contact Mallory Green at mallgreen@nd.gov (701) 328-6573 or TTY users may use Relay North Dakota at 711 or (800) 366-6888.

Notice to prospective employees that the Bank of North Dakota complies with the U.S. Dept. of Labor Family and Medical Leave Act (FMLA); and all information contained within, at US Department of Labor FMLA.

A credit, state and federal background check will be conducted on the final candidate.

Equal Employment Opportunity

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.

As an employer, the State of North Dakota prohibits smoking in all places of state employment in accordance with N.D.C.C. Sect. 23-12-10.