Credit Analyst

Bank of North Dakota (BND) is seeking a Credit Analyst in North Dakota!

About BND
BND has a stable legacy of over 100 years, with the same lasting mission, to promote 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.

We are North Dakota proud with a passionate mission focus, engaging in creative solutions and there when needed, with integrity and purpose.

Position: Credit Analyst

Location: This position may work on-site at our Bismarck or Fargo location or may work remote provided the candidate is a ND resident and resides within the state of North Dakota.

Hiring Range: $70,532 - $125,553 annually/ $5,877 - $10,462 monthly
Title and salary are dependent on experience.

Deadline to Apply: Wednesday, September 30, 2026. Applicants are encouraged to apply as soon as possible. Qualified candidates will be considered upon application. The position may be filled prior to the listed closing date after successful completion of the application and interview process.

Essential Duties:

Evaluate repayment capacity and creditworthiness of loan requests with complex cash flow structures such as large manufacturing operations, construction/development projects, sizable industrial facilities, oil and gas operations, seasonal businesses, large crop/livestock producers, operations with multiple revenue streams, and distressed businesses and farm operations.
Prepare various analyses including traditional cash flow, UCA cash flow, working capital, leverage, global cash flow, break-even, market, absorption, and capitalization.
Work within strict deadlines to prepare and present credit presentations to committees and boards.
Travel may be required to conduct site visits and attend meetings.

Qualifications

Bachelor’s degree in accounting, banking, business administration, or a closely related field.
Minimum of four years of commercial credit analysis experience; agriculture credit analysis experience is preferred but not required.
Strong analytic skills, financial acumen, sound judgement, and ability to manage deadlines in a fast-paced environment.
Clear communication skills, professionalism, and the ability to work collaboratively with internal teams and external lending partners.

Candidates who accept an interview will be required to provide case study material.

Benefits
BND offers a competitive and comprehensive compensation package. Benefits include 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!

Application Process:

Submit your application along with a resume by 11:59 PM Central Standard Time (CST) on the closing date.
A credit, state, and federal background check will be conducted on the final candidate.
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 the Talent Management team at bndtm@nd.gov or TTY users may use Relay North Dakota at 711 or (800) 366-6888.

Apply Here

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.

Equal Opportunity Employer