Ag/Commercial Loan Officer Trainee - Fargo

First Community Credit Union • Fargo, ND

3d • Onsite

About The Position

The Ag/Commercial Loan Officer Trainee supports FCCU's business and agricultural lending team by assisting with loan analysis, underwriting, portfolio management, and member relationship development. This role provides hands-on experience in commercial and agricultural lending while building expertise in credit analysis, risk assessment, and loan origination. Ideal candidates are relationship-focused, analytical, and eager to develop a successful career in commercial and agricultural banking.

Requirements

• Bachelor's degree in business, finance, or a related field, economics, agriculture, or four years of relevant experience in lieu of formal education.
• One year experience in customer service.
• Strong analytical skills with coursework or exposure to financial statement analysis.
• Basic understanding of banking regulations and lending principles.
• Proficiency in Excel.

Responsibilities

• Support the origination, underwriting, and closing of agricultural and commercial loans while ensuring compliance with Credit Union policies and regulatory requirements.
• Build relationships with business and agricultural members by providing exceptional service, identifying financial solutions, and supporting business development efforts.
• Assist with financial analysis, credit underwriting, and loan presentations by evaluating financial statements, cash flow, collateral, and repayment capacity.
• Partner with lending team members to identify risks, structure loan terms, prepare documentation, and support the loan approval and closing process.
• Manage member inquiries and maintain strong relationships by providing timely support, resolving issues, and identifying opportunities to deepen member engagement.
• Support portfolio management activities by monitoring loan performance, maintaining accurate records, and assisting with past-due and problem loan management.
• Participate in credit training, lending development programs, and hands-on learning opportunities to build expertise in commercial and agricultural lending.
• Represent FCCU professionally within the community and at business events while contributing to branch growth and member relationship development.

Benefits

• 11 paid federal holidays
• 401k match
• fully paid single medical, dental and vision
• family and work‑life balance support

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level