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Credit Risk Analyst Jobs in Fargo, ND (NOW HIRING)

Career Site

Credit Risk Analyst

Fargo, ND

This position will be responsible for functions associated with the reporting and data analytics requirements within Credit Administration (LOB) with an emphasis on Credit Risk Reporting and ...

Bell Bank

Credit Risk Analyst

Fargo, ND · On-site

This position will be responsible for functions associated with the reporting and data analytics requirements within Credit Administration (LOB) with an emphasis on Credit Risk Reporting and ...

Career Site

Credit Officer II

Fargo, ND

... credit risk and quality of the bank's commercial loan portfolio. Primary Duties: Spread and analyze financial statements, both commercial and agricultural, for existing and prospective clients.

Bell Bank

Credit Officer II

Fargo, ND · On-site

Identify trends and analyze performance in order to develop an assessment of credit risks. * Participate in the maintenance of the accuracy of the bank's loan risk rating system and validate that ...

Career Site

Credit Officer II

Fargo, ND

Identify trends and analyze performance in order to develop an assessment of credit risks. * Participate in the maintenance of the accuracy of the bank's loan risk rating system and validate that ...

Bell Bank

Credit Officer II

Fargo, ND · On-site

... the credit risk and quality of the bank's commercial loan portfolio. Primary Duties: • Spread and analyze financial statements, both commercial and agricultural, for existing and prospective ...

Aston Carter

Credit And Collections Specialist

West Fargo, ND · Hybrid

$21.25 - $28.25/hr

... credit risk, and collaborates with internal teams to ensure accurate financial records and ... Analytical mindset with the ability to evaluate financial information and make sound credit and ...

New

US Bank

Business Technology Analyst

Fargo, ND · On-site

... credit risk, and the development team for the application, and writing and executing test plans ... Ability to conduct an analysis of business needs, including scheduling meetings, planning agendas ...

US Bank

Platform Manager

Fargo, ND

... and credit risk associated with FX transactions. - Regulatory Knowledge in FX space including ... analyzing large datasets to help the business line with requirements. - Demonstrates strong ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Fargo, ND

Credit Risk Analyst information

See Fargo, ND salary details

$36.2K

$111.5K

$193.4K

How much do credit risk analyst jobs pay per year?

As of Jul 14, 2026, the average yearly pay for credit risk analyst in Fargo, ND is $111,520.00, according to ZipRecruiter salary data. Most workers in this role earn between $80,800.00 and $137,600.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Credit Risk Analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What does a Credit Risk Analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

What are the key skills and qualifications needed to thrive as a Credit Risk Analyst, and why are they important?

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

What Does a Credit Risk Analyst Do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

What is the difference between Credit Risk Analyst vs Credit Analyst?

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in Fargo, ND? The most popular types of Credit Risk Analyst jobs in Fargo, ND are:
What are popular job titles related to Credit Risk Analyst jobs in Fargo, ND? For Credit Risk Analyst jobs in Fargo, ND, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Fargo, ND look for? The top searched job categories for Credit Risk Analyst jobs in Fargo, ND are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Fargo, ND as of July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 78% Full Time, 15% Part Time, 1% Temporary, and 4% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $111,520 per year, or $53.6 per hour.

Credit Risk Analyst

Career Site

Fargo, ND

Full-time

Re-posted 5 days ago

Job description

This position will be responsible for functions associated with the reporting and data analytics requirements within Credit Administration (LOB) with an emphasis on Credit Risk Reporting and Analytics. The key responsibilities will include gathering relevant information to produce routine and ad hoc credit risk reports for the Chief Credit Officer, Credit Risk Committee and senior management and regulatory agencies. Additionally, this position will work with Enterprise Data and Reporting team on common standards, delivery formats, and metadata coordination and tools.

Primary Duties:

  • Be the point person for all reporting and analytics within the LOB.
  • Represent the LOB reporting and analytic needs in the areas of data transformation, integration needed, access requirements, quality checks and historical requirements.
  • Collect internal data, validate inputs, and prepare reports for presentation in a timely manner to management.
  • Work within the LOB to maintain integrity of Operational (resident in LOB applications) and Reference Data leveraging the enterprise-designated templates.
  • Maintain a high level of competency on core applications within the LOB, as well as reporting tools including Cognos.
  • Develop the necessary reports and processes for maintaining data quality and integrity.
  • Act as liaison on special projects to advance the Bank's infrastructure, management information systems, policies, procedures, and processes.
  • 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.

Job Skills Required:

  • B.A. or B.S. related to Business or Data Analytics preferred and/or equivalent experience.
  • Minimum 3 years of banking industry experience, preferably in a data analytic or credit reporting role.
  • Ability to compile and evaluate complex data gathered from multiple sources, reconcile differences, identify key data and ensure a consistent, accurate, useful approach.
  • Experience in financial analysis (preferred).
  • Proficiency with Microsoft Office applications, Data Management and Reporting / Analytics toolset (e.g., Cognos) preferred.
  • Ability to thrive in a fast-paced work environment.
  • Excellent communication skills both written and verbal, with strong interpersonal skills.
  • Ability to balance best practice methodologies and complex business requirements.
  • Detail oriented with outstanding analytical skills.
  • Ability to work with minimal supervision.
  • High aptitude and interest in working with the business users to analyze processes and derive business requirements

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