The Credit Analyst – Capital Finance is responsible for evaluating, structuring, and monitoring credit exposures related to capital finance transactions. This role supports disciplined capital deployment through rigorous financial analysis, collateral evaluation, and risk assessment, ensuring alignment with the Bank’s credit policy, risk appetite, and return objectives.
Responsibilities
Credit Analysis & Underwriting
- Evaluate borrower creditworthiness through detailed analysis of financial statements, cash flow, liquidity, leverage, and capital structure.
- Assess transaction structure, including debt capacity and repayment sources.
- Analyze sponsor strength, industry dynamics, and enterprise valuation where applicable.
- Prepare credit memoranda with clear risk identification, mitigants, and recommendation.
- Support credit approval process and documentation requirements in coordination with legal and credit risk teams.
Capital Finance Structuring
- Support structuring of complex capital finance transactions.
- Assess collateral quality, advance rates, borrowing base mechanics, and eligibility criteria.
- Partner with relationship managers and deal teams to optimize risk-adjusted returns.
- Participate in transaction due diligence, including review of third-party reports, appraisals, and field exams.
Portfolio Monitoring & Risk Management
- Monitor existing portfolio exposures for compliance with credit terms and performance expectations.
- Perform ongoing financial analysis and collateral monitoring.
- Identify emerging risks and recommend risk mitigation strategies or credit actions.
- Provide insights to inform credit strategy, portfolio trends, and capital allocation decisions.
Bell Bank Culture, Policy and Accountability Standards
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Education, Experience, and Other Expectations
- Bachelor’s degree in finance, accounting, or a business-related field; or equivalent amount of experience.
- 2 – 4 years of experience in commercial credit analysis, commercial lending, or bank examination.
Skills and Knowledge
- Advanced spreadsheet skills, including comfort with financial formulas, data sorting, and formatting.
- Exceptional organizational skills with a proven ability to prioritize tasks, manage workload independently, and consistently hit strict project deadlines.
- Above-average written and verbal communication skills, with the ability to clearly articulate financial findings to senior staff and Portfolio Officers.
- Solid foundational knowledge of financial accounting, with the ability to read and understand financial statements (Income Statement, Balance Sheet, Cash Flow).
- Strong analytical mindset with the capability to accurately spread financial statements and monitor client performance trends through monthly financials.
- High proficiency with modern computer technology and a quick learning curve for proprietary banking software and systems.
Skills Required
- Bachelor's degree in finance, accounting, or business or equivalent experience
- 2-4 years experience in commercial credit analysis, commercial lending, or bank examination
- Advanced spreadsheet skills (financial formulas, data sorting, formatting)
- Ability to read and analyze financial statements (income statement, balance sheet, cash flow)
- Experience performing cash flow, liquidity, leverage, and capital structure analysis
- Knowledge of collateral evaluation, borrowing base mechanics, and collateral monitoring
- Strong written and verbal communication skills for presenting findings to senior staff
- Organizational skills with ability to prioritize tasks and meet strict deadlines independently
- High proficiency with computer technology and ability to learn proprietary banking systems
Bell Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bell Bank and has not been reviewed or approved by Bell Bank.
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Strong & Reliable Incentives — Bonuses and performance incentives are a recurring component of pay, including in some frontline and part-time roles. Variable pay appears to augment base salaries across multiple job families.
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Equity Value & Accessibility — An employee stock ownership plan is highlighted alongside profit sharing, giving employees accessible ownership participation. This structure can add long-term value beyond base pay.
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Leave & Time Off Breadth — Paid vacation and holidays, bereavement leave, and paid volunteer hours are included. Parental leave options (maternity, paternity, adoption) further broaden time-off coverage.
Bell Bank Insights
What We Do
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others. At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about. Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states. Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.
