Ag Credit Analyst

Town and Country Credit Union • Minot, ND

5d

About The Position

Town & Country Credit Union is seeking a detail-oriented, analytical, motivated Ag Credit Analyst to join its collaborative agricultural lending operations team. The position supports lenders by conducting financial analysis and underwriting credit requests, evaluating risk, and helping ensure loans comply with regulations. This work supports the financial health of members and the credit union.

The analyst works with Ag Lenders to develop business activities and may occasionally join Loan Officers on site visits and presentations. The role also involves preparing credit presentations for Senior Management and/or the Credit Committee, monitoring portfolio health, and maintaining knowledge of BND and other government-sponsored programs.

Town & Country Credit Union has over 175 professionals across 11 branches in Fargo, West Fargo, Minot, Kenmare, and Stanley. Its stated values are doing the right thing, operating with integrity, keeping it simple, finding a way to say yes, and making a difference.

Requirements

• A four-year college degree or equivalent experience.
• A solid understanding of lending principles, loan services, and financial statement analysis.
• Ability to interpret complex data and make sound credit recommendations.
• Excellent oral and written communication skills, including the ability to explain financial findings clearly to team members and management.
• Proficiency in Microsoft Office and the ability to quickly master business-related computer systems and analysis software.
• Commitment to a sales and service culture and ability to recommend products that benefit members.

Nice To Haves

• Previous experience as a Credit Analyst in a financial institution is preferred.
• Experience with Abrigo credit software is a plus.

Responsibilities

• Input and organize financial statements and tax returns in analysis software to assess the financial trends and conditions of business and personal borrowers.
• Underwrite credit requests by evaluating performance ratios, cash flow feasibility, and the adequacy of risk ratings.
• Work alongside Ag Lenders to develop business activities and occasionally join Loan Officers on site visits and presentations.
• Recommend loan covenants, provide collateral valuations, and monitor the loan portfolio for alignment with state and federal regulations.
• Prepare comprehensive credit memos for submission to Senior Management and/or the Credit Committee for approval.
• Assist in portfolio stress testing and reporting on aggregate loan exposures.
• Maintain a working knowledge of BND and other government-sponsored programs.
• Recommend products that benefit members as part of a sales and service culture.

Benefits

• Competitive pay
• Paid holidays
• Generous paid time off
• “Dress for your day” dress code
• Health, dental, and vision insurance
• Life and disability insurance
• Flexible spending accounts
• 401(k) with employer contributions
• Paid volunteer time
• Tuition reimbursement
• YMCA Corporate Membership Discount or Lifestyle Spending Account

What This Job Offers

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