Responsibilities
- Credit Analysis & Underwriting
- Lead comprehensive financial analysis, including cash flow modeling, leverage, liquidity, and capital structure evaluation for complex borrowers and transactions
- Develop clear, well-supported credit recommendations, articulating key risks, mitigants, and approval rationale
- Evaluate sponsor support, industry dynamics, and enterprise valuation where applicable
- Guide preparation of credit memoranda, loan presentations, and credit reviews with decision-ready insights.
- Prepare high quality loan presentations for the loan committee.
- Capital Finance Structuring
- Partner with deal teams to structure capital finance transactions, including advance rates, borrowing base design, and covenant frameworks.
- Assess collateral quality, liquidation profiles, and concentration risks to inform structure and pricing.
- Influence transaction terms to optimize risk-adjusted returns while maintaining alignment with credit policy.
- Provide subject matter expertise on asset-based and structured lending mechanics.
- Portfolio Monitoring & Risk Management
- Oversee ongoing portfolio performance, including financial trend analysis, covenant compliance, and borrowing base activity.
- Proactively identify emerging risks and drive recommended actions, including modifications, downgrades, or enhanced monitoring.
- Evaluate collateral performance and eligibility to ensure integrity of borrowing base structures.
- Support management of higher-risk or stressed credits, including development of action plans and risk mitigation strategies.
Bell Bank Culture, Policy and Accountability Standards
- Know and live Bell Bank’s values, bottom line, customer service standards, Golden Rules, and LOCBUTN by building personal connections with customers and employees and using their names as often as possible.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Code of Conduct, 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.
- 4-6 years of experience in commercial credit analysis, commercial lending, or bank examination.
Knowledge, Skills, and Abilities
- Working knowledge of commercial loan documentation, including credit agreements, notes, and corporate organizational documents.
- Advanced working knowledge of commercial loan documentation, structural risk mitigation, and structural credit mechanics.
- Understanding of financial accounting principles and advanced three-statement financial modeling.
- Strong written, verbal, and interpersonal communication skills, with a proven ability to present complex credit narratives to loan committees and mentor junior staff.
- Above-average organizational and time management habits, with a demonstrated ability to independently manage a heavy workflow, balance competing deadlines, and drive projects to timely completion.
- High proficiency with spreadsheet software (Excel) and modern commercial banking/credit spreading platforms.
Skills Required
- Bachelor's degree in finance, accounting, or a business-related field, or equivalent experience
- 4-6 years of experience in commercial credit analysis, commercial lending, or bank examination
- Working knowledge of commercial loan documentation, including credit agreements, notes, and corporate organizational documents
- Advanced knowledge of commercial loan documentation, structural risk mitigation, and structural credit mechanics
- Understanding of financial accounting principles and advanced three-statement financial modeling
- Strong written, verbal, and interpersonal communication skills
- Ability to present complex credit narratives to loan committees and mentor junior staff
- Ability to independently manage heavy workflows, competing deadlines, and project completion
- High proficiency with spreadsheet software, including Excel, and commercial banking or credit spreading platforms
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.
