Senior Credit Analyst

American Federal Bank • Fargo, ND

2d

About The Position

American Federal is seeking an experienced Senior Credit Analyst to partner with its Ag and Business Banking teams. The role provides advanced credit analysis, underwriting, portfolio management support, and guidance on credit structure and risk assessment. It plays a key role in maintaining asset quality while supporting profitable growth of the agricultural and commercial loan portfolio. The position can be based at any American Federal sales office and involves collaboration with banking professionals across the organization.

Requirements

• Bachelor's degree in Business, Finance, Accounting, Economics, Agriculture, or a related field, or equivalent experience.
• Five or more years of experience in commercial lending, credit analysis, or a related commercial banking function.
• Strong knowledge of commercial lending principles, credit underwriting, and risk assessment.
• Ability to work independently and manage multiple priorities with minimal supervision.
• Excellent analytical, communication, organizational, and relationship-building skills.
• Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.
• Ability to travel to customer locations, American Federal offices, and Home Office as needed.

Responsibilities

• Independently analyze and underwrite complex agricultural and commercial credit relationships.
• Develop and recommend loan structures, covenants, collateral requirements, and risk mitigation strategies.
• Prepare comprehensive credit presentations and approval packages for senior management and loan committees.
• Conduct annual reviews, risk rating assessments, portfolio monitoring, and internal evaluations.
• Identify emerging credit risks and recommend appropriate action plans.
• Serve as a resource for complex financial analysis, credit structuring, and risk assessment.
• Partner with Ag and Business Bankers to support customer relationships and business development efforts.
• Participate in customer meetings, loan discussions, and site visits as needed.
• Provide consultative support regarding credit matters, industry trends, and portfolio management strategies.
• Generate referrals and support sales, growth, and relationship-building initiatives across business lines.
• Provide technical guidance, training, and mentoring to Credit Analysts and lending staff.
• Serve as a subject matter expert in credit analysis and underwriting.
• Assist with onboarding, coaching, and development of new credit personnel.
• Support departmental initiatives, process improvements, and credit administration projects.
• Review analyst work for accuracy and completeness as needed.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior