Josh Kosienski

Josh Kosienski is an experienced financial professional currently serving as an Analyst in Credit Underwriting at PayPal since September 2025. Previously, Kosienski worked as a Credit Officer at Western State Bank, focusing on the investigation, evaluation, and underwriting of large dollar transactions. Kosienski's earlier experience includes a role as Supervising Examiner at the North Dakota Department of Financial Institutions, where responsibilities included interpreting regulations, supervising examinations of financial institutions, and training examiners. Additional roles include Acting Supervising Examiner and Bank Examiner, where Kosienski conducted examinations and analyses of state-chartered financial institutions. Kosienski began a career in finance as a Teller at Bell Bank and previously worked as a Patio Foreman at Opp Construction. An alumnus of North Dakota State University, Kosienski holds a Bachelor's degree in Finance, obtained in 2016.