Job Description

Make a Difference—One Credit Decision at a Time

Credit Analyst | Minot, ND

At North Star Community Credit Union, we believe every financial decision has the power to impact a member’s future. As a Credit Analyst, you play a critical role in evaluating risk, supporting sound financial decisions, and helping our members achieve their goals. If you have a strong analytical mindset, attention to detail, and a passion for financial analysis, this is an opportunity to contribute to a mission-driven organization committed to doing what’s right for our members and our communities. Position Overview

The Credit Analyst is responsible for analyzing financial information, assessing credit risk, and providing recommendations that support decision-making across consumer, agricultural, and commercial portfolios. This role partners closely with internal teams and leadership to ensure consistent, data-driven decisions aligned with North Star’s standards. What You’ll Do

Analyze financial statements, tax returns, and credit reports to assess risk Prepare detailed credit presentations and recommendations for financing requests Evaluate cash flow, debt service coverage, collateral, and overall financial strength Monitor existing relationships and identify emerging risks Partner with internal stakeholders to structure solutions that balance member needs with sound risk management Ensure compliance with internal policies and regulatory requirements Support portfolio reporting, trend analysis, and overall credit quality reviews What You Bring

Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience) 3+ years of experience in credit analysis, financial services, or related field preferred Strong understanding of financial statements and cash flow analysis Ability to interpret and communicate complex financial data clearly High attention to detail and strong organizational skills Proficiency in Microsoft Excel and financial analysis tools Ability to work collaboratively and manage multiple priorities What Sets You Apart

Experience with agricultural or commercial credit analysis Familiarity with a credit union or financial services environment Strong critical thinking and decision-making skills Commitment to delivering a high level of service aligned with the North Star Way Why Join North Star

Be part of a team that puts members first Contribute to meaningful financial decisions that impact local communities Collaborative, supportive culture focused on growth and development Opportunities to expand your knowledge across diverse areas of financial services

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