Commercial Credit Analyst

2 weeks ago

Fargo, ND, United States First International Bank & Trust Full time

First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work.

At First International Bank & Trust, we believe in building lasting relationships through sound financial decisions and personalized service. We're seeking a Commercial Credit Analyst who thrives on analyzing financial data, assessing credit risk, and supporting our commitment to responsible lending. If you're detail-oriented, collaborative, and passionate about helping businesses grow, we invite you to join our team.

Key Responsibilities:

  • Spread and analyze commercial financial statements for C&I (Commercial & Industrial) and CRE (Commercial Real Estate) loans.
  • Evaluate borrower risk and recommend appropriate loan structures for transactions exceeding $15,000,000.
  • Utilize systems such as Abrigo Sageworks to assess credit quality and streamline analysis.
  • Build and maintain financial models to project cash flows and assess repayment capacity.
  • Prepare comprehensive loan presentations, comment sheets, and annual reviews for credit committees.
  • Collaborate with loan officers by attending client and prospect calls to provide financial insights and strengthen relationships.
  • Provide guidance and training to team members on credit analysis best practices.
  • Participate in ongoing training and contribute ideas for process improvement.
Position Competencies:
  • Strong analytical skills with the ability to gather and interpret financial data.
  • Exceptional attention to detail and organization.
  • Clear and informative written communication.
  • Ability to prioritize tasks and manage time effectively.
Qualifications:
  • Bachelor's Degree in Accounting, Finance, Economics, or related field; 3-5 years of experience in credit analysis or commercial lending, with exposure to large scale deals ($15MM+) or an equivalent combination of education and experience.
  • Proficiency in reading and interpreting financial statements, including balance sheets, income statements, and cash flow statements.
  • Experience using Abrigo Sageworks or similar credit analysis systems.
  • Demonstrated ability to build financial models and project future cash flows.
  • Applied underwriting principles to structure loans effectively.
We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:
  • Health, Dental & Vision
  • 401K Retirement Plan with Employer Match
  • Paid Parental Leave
  • Life and Disability Insurance
  • Generous PTO and Holiday pay

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at TalentAcquisition@FIBT.com.

Equal Opportunity Employer

  • Commercial Credit Analyst

    2 weeks ago

    Fargo, ND, United States First International Bank and Trust Full time

    Commercial Credit Analyst Department: Corporate Location: Fargo, ND PT/FT/Temporary : Full Time START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req_id=3580357&source=3580357-CJB-0) First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work. At First...

  • Commercial Credit Analyst

    2 weeks ago

    Fargo, ND, United States First International Bank and Trust Full time

    Commercial Credit Analyst Department: Corporate Location: Fargo, ND PT/FT/Temporary : Full Time START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req_id=3580357&source=3580357-CJB-0) First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work. At First...

  • Commercial Credit Analyst

    1 week ago

    Fargo, ND, United States First International Bank and Trust Full time

    Commercial Credit Analyst Department: Corporate Location: Fargo, ND PT/FT/Temporary : Full Time START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req_id=3580357&source=3580357-CJB-0) First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work. At First...

  • Commercial Credit Analyst

    6 days ago

    Fargo, ND, United States First International Bank and Trust Full time

    Commercial Credit Analyst Department: Corporate Location: Fargo, ND PT/FT/Temporary : Full Time START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req_id=3580357&source=3580357-CJB-0) First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work. At First...

  • Sr. Credit Analyst

    1 week ago

    Fargo, ND, United States Choice Bank Full time

    Job Type Full-time Description The Senior Credit Analyst position is responsible for gathering, analyzing, and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loan loss. In addition to the general credit analyst responsibilities, the Senior Credit Analyst must also: ...

  • Sr. Credit Analyst

    2 weeks ago

    Fargo, ND, United States Choice Bank Full time

    Job Type Full-time Description The Senior Credit Analyst position is responsible for gathering, analyzing, and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loan loss. In addition to the general credit analyst responsibilities, the Senior Credit Analyst must also: ...

  • Credit Analyst I

    16 hours ago

    Fargo, ND, United States Bravera Full time

    Bravera Bank is hiring for a Credit Analyst in Fargo, ND. Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward. A Credit Analyst is responsible for...

  • Commercial Underwriter III

    2 weeks ago

    Fargo, ND, United States Old National Bank Full time

    Commercial Underwriter IIIJob Locations US-ND-Fargo | US-IN-Jasper | US-MN-Saint Cloud | US-ND-Grand Forks | US-MN-Alexandria | US-MN-Mankato | US-WI-Madison | US-IL-Sycamore | US-MN-Lake Elmo | US-MN-Rochester | US-MN-St Louis Park | ...Category/Function Lending/Commercial/Consumer/CreditPosition Type Regular Full-TimeRequisition ID 2025-18568Workplace...

  • Commercial Loan Coordinator

    5 days ago

    Fargo, ND, United States Bell Bank Full time

    The Commercial Loan Coordinator (CLC) plays a crucial role in supporting our Commercial Bankers and their customers. Primary responsibilities include providing exemplary customer service to our commercial customers to assist them with various types of inquires as well as serving as the primary coordinator for the entire commercial loan process, from initial...

  • Special Credit Services Officer II

    1 week ago

    Fargo, ND, United States Alerus Full time

    Description WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team...