Senior Credit Analyst

BNC National Bank

$80K — $95K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • At least 5 years of experience in commercial underwriting and/or credit analysis
  • Expertise in commercial real estate, C&I, and SBA lending
  • Previous mentoring or coaching experience is advantageous
  • Strong analytical skills for assessing borrower financials and risks
  • Ability to prepare comprehensive credit memorandums

Responsibilities

  • Perform complex commercial credit analysis and underwriting
  • Analyze borrower financials, cash flow, and overall credit risk
  • Prepare and present detailed credit memorandums to stakeholders
  • Make informed recommendations on risk ratings and loan structuring
  • Support complex, higher-risk commercial transactions
  • Mentor and develop a team of credit professionals
  • Contribute to improvements in credit processes and policies

Benefits

  • Opportunity for professional growth and mentorship
  • Work in a community-focused banking environment
  • Engage in meaningful contributions to commercial lending quality
  • Collaborate with a committed team of credit experts
  • Opportunity to influence and improve credit-related practices
Full Job Description
🚨 We're Hiring: Senior Credit Analyst | Bismarck, ND

Are you an experienced commercial credit professional looking for an opportunity to take your expertise to the next level?

This is a senior-level opportunity for someone who enjoys the technical side of commercial credit analysis and underwriting while also having an interest in mentoring, coaching, and developing other credit professionals.

In this role, you will:
• Perform complex commercial credit analysis and underwriting
• Analyze borrower financials, cash flow, collateral, repayment capacity, and overall credit risk
• Prepare and present comprehensive credit memorandums
• Make recommendations regarding risk ratings, loan structure, covenants, collateral, and risk mitigation
• Support complex and higher-risk commercial transactions
• Mentor and coach members of the underwriting team
• Serve as a resource for credit policy, underwriting practices, and complex transactions
• Contribute to process improvement and the continued development of our Credit function

We're looking for someone with at least five years of progressive commercial underwriting and/or credit analysis experience, with experience in commercial real estate, C&I, and SBA lending. Previous mentoring, coaching, or training experience is a plus!

This is a great opportunity to join a community-focused bank where your expertise can make a meaningful difference-not only in the quality of our commercial lending portfolio, but also in the development of the professionals around you.

📍 Location: Bismarck, ND
🏦 Department: Credit Administration
💼 Work Arrangement: Onsite

If you're ready to bring your commercial credit expertise to a role with greater influence, collaboration, and opportunity to develop others, we'd love to connect with you!

👉 Apply today and join the BNC National Bank team!

https://bnc.bank/careers

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