As of April 01, 2025, the average annual salary for a Commercial Lending Officer II in Fargo, ND is $88,760. According to Salary.com, salaries can range from a low of $67,497 to a high of $114,857, with most professionals earning between $77,630 and $102,420.
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $102,420 | $8,535 | $1,970 | $49 |
| Average | $88,760 | $7,397 | $1,707 | $43 |
| 25th Percentile | $77,630 | $6,469 | $1,493 | $37 |
An entry-level Commercial Lending Officer II with under 1 year experience makes about $85,104. With less than 2 years of experience, a mid-level Commercial Lending Officer II makes around $85,436. After 2-4 years, the Commercial Lending Officer II pay rises to about $87,597. Those senior Commercial Lending Officer II with 5-8 years of experience earn roughly $95,485, and those Commercial Lending Officer II having 8 years or more experience are expected to earn about $95,892 on average.
| Levels | Salary |
|---|---|
| Entry Level Commercial Lending Officer II | $85,104 |
| Intermediate Level Commercial Lending Officer II | $85,436 |
| Senior Level Commercial Lending Officer II | $87,597 |
| Specialist Level Commercial Lending Officer II | $95,485 |
| Expert Level Commercial Lending Officer II | $95,892 |
| Entry Level | 4% |
| Mid Level | 4% |
| Senior Level | 1% |
| Top Level | 8% |
| Experienced | 8% |
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Each competency has five to ten behavioral assertions that can be observed, each with a corresponding performance level (from one to five) that is required for a particular job.
Analysis: Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
Credit Analysis: Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small. The objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default. Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads—the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries or LIBOR and investments that carry some risk of default—reflect credit analysis by financial market participants.
Client Relationship: Client relationship managemen is focused on building relationships with clients to ensure that their needs are met, they are satisfied with the services and/or products provided by the company.
| Skill | Salary | Demand |
|---|---|---|
|
Negotiating
|
$101,186 |
14%
|
|
Client Relationship
|
$95,861 |
8%
|
|
Portfolio Management
|
$95,861 |
8%
|
|
Collaboration
|
$94,973 |
7%
|
|
Credit Risk
|
$94,973 |
7%
|
|
Analysis
|
$94,973 |
7%
|
