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Sr Credit Analyst

GPAC Bismarck Full-Time
$45,000.00 - $80,000.00 / year
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The Credit Analyst is responsible for conducting credit investigations by collecting, analyzing, and interpreting data and financial information to evaluate and mitigate credit risk, as well as determining the appropriate credit risk rating on new and existing borrowers. This position collaborates and works closely with credit production and credit support to maximize borrower cash flow for debt retirement and manages credit facilities extended to borrowers. The role is a significant contributor for overall risk management through credit facility monitoring.

  • Responsible for the creation and accuracy of credit presentations as well as assuring risk rating classifications are factual, accurate, and consistent with the bank's risk rating system.
  • Review credit packages for policy and regulation compliance as well as structural soundness, credit weakness, lien searches and title work to assure appropriate equity and collateral positions; makes corrective recommendations as needed.
  • Investigate all available sources of credit and financial information to include, but not limited to, credit bureaus, other companies, vendors, other bank files, internet sources, social media, other banks, and overall community reputation.
  • Accountable for monitoring the annual collection of required borrower financial and credit information.
  • Verify the quality, completeness, and accuracy of all related credit facility documentation and assure appropriate loan covenants and terms are accurately stated in the appropriate documentation as well as verifying the appropriate perfection of collateral and bank security interests.
  • Prepare appraisal requests, reviews, and real estate evaluations.
  • Prepare summaries, present facts, and offer professional risk based opinions based on factual creditworthiness information as well as preparing and presenting credit risk reviews as credit conditions dictate.
  • Act as a resource for Market Presidents, Business Bankers, Credit Support Specialists, and Credit Support Assistants on all issues related to credit risk management, and to gather information for credit presentations and files.
  • Abide by all policies, procedures and regulations of the bank.

Job Qualifications:
  • Bachelor's degree in finance, economics, or similar field or the equivalent knowledge and experience.
  • Proficiency in analysis software including, but not limited to Microsoft Word and Excel.
  • Excellent written and verbal communication skills.
  • Ability to interpret written and verbal complex concepts, instructions, and thoughts.
  • Has the aptitude to analyze tax returns and financial statements.
  • Excellent analytical, time management, organizational, and problem solving skills with the ability to focus, multi-task, and work in a deadline driven environment.
  • Must be professional in demeanor and deal effectively with people while being highly motivated, inquisitive, detail oriented, and adaptive to constant change while balancing multiple work assignments with stringent deadlines.
  • Occasional day travel may be required for training/meeting purposes.

Contact your North Dakota Banking and Finance recruiter to learn more about this opportunity and other opportunities across the state. I assure you that our conversation will be 100% confidential.

Email blocked - click to apply 605 215 5193

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.

GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States for the past 29 years. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.


Recommended skills

Balancing (Ledger/Billing)
Verbal Communication
Attention To Detail
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