Consumer Underwriter & Junior Analyst - Minot

Town and Country Credit Union • Minot, ND

3d

About The Position

Town & Country Credit Union is seeking a Consumer Underwriter & Junior Analyst to join its Credit Department. The position primarily reviews consumer loan applications, evaluates credit risk, and makes underwriting decisions within established lending guidelines. The employee will also cross-train and apprentice with Agricultural and Commercial Credit Analysts, building experience in financial statement analysis, cash flow evaluation, collateral assessment, and business lending.

Requirements

• Strong analytical skills and ability to interpret financial information and identify potential credit risks.
• Excellent attention to detail, organization, and problem-solving abilities.
• Strong communication and interpersonal skills, with the ability to work collaboratively across departments.
• Willingness to learn, take on new challenges, and develop knowledge in agricultural and commercial lending.

Nice To Haves

• A degree in Finance, Accounting, Business Administration, Agribusiness, or a related field, or equivalent relevant experience.
• At least two years of related lending or financial analysis experience.

Responsibilities

• Review and analyze consumer loan applications, credit reports, income documentation, and collateral information to make credit decisions within established lending guidelines.
• Evaluate applicants’ income, expenses, debt obligations, and repayment ability.
• Communicate underwriting decisions, loan requirements, and exceptions to Financial Services Officers, Branch Managers, and Loan Processing.
• Assist with agricultural and commercial credit analysis, including financial statement reviews, cash flow calculations, collateral evaluations, and credit presentations.
• Participate in cross-training and apprenticing with experienced Agricultural and Commercial Credit Analysts.
• Help maintain compliance with lending policies, procedures, and applicable regulations.

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: Entry Level
• Education Level: No Education Listed