Josh Kosienski

Josh Kosienski is an accomplished finance professional currently serving as a Credit Officer at Western State Bank since May 2021, where responsibilities include investigating, evaluating, and underwriting large dollar transactions while preparing concise credit presentations. Prior to this role, Josh held various positions at the North Dakota Department of Financial Institutions from June 2016 to May 2021, including Supervising Examiner and Acting Supervising Examiner, focusing on the oversight of financial institutions, regulatory compliance, and examiner training. Earlier experience includes serving as a Bank Examiner, where duties involved analyzing financial transactions and ensuring compliance with regulations, as well as working as a Teller at Bell Bank and as a Patio Foreman at Opp Construction. Josh holds a Bachelor's degree in Finance from North Dakota State University, completed in 2016.