Job Details:

Job Location: All Sales Office Locations - Fargo, ND

Salary Range: $75000.00 - $95000.00 Salary/year

American Federal is seeking an experienced Senior Credit Analyst to join our team. This position serves as a trusted partner to our Ag and Business Banking teams, providing advanced credit analysis, underwriting, portfolio management support, and guidance on credit structure and risk assessment. The Senior Credit Analyst plays a key role in maintaining asset quality while supporting the profitable growth of our agricultural and commercial loan portfolio. This position offers the flexibility to work from any of our sales office locations and provides the opportunity to collaborate with banking professionals across our organization.

PRIMARY RESPONSIBILITIES

• Credit Underwriting & Portfolio Management
  • 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.
• Relationship Management
  • Serve as a key 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.
• Leadership & Mentoring
  • 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.

QUALIFICATIONS

• 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.

Why Join American Federal?

At American Federal, you'll have the opportunity to work alongside experienced banking professionals, build strong partnerships throughout the organization, and make a meaningful impact on our customers, communities, and continued growth. If you're a motivated credit professional looking to take the next step in your career, we'd love to hear from you. Apply today and join our team as a Senior Credit Analyst.

Member FDIC Equal Opportunity/Affirmative Action Employer Including Protected Veterans and Individuals with Disabilities