Consumer Underwriter & Junior Analyst - Fargo

Town and Country Credit Union • Fargo, ND

3d

About The Position

Town & Country Credit Union is seeking a Consumer Underwriter & Junior Analyst to join its Credit Department. The role primarily reviews consumer loan applications, analyzes credit risk, and makes sound underwriting decisions within established lending guidelines. The position also offers cross-training and apprenticeship opportunities 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 the ability to interpret financial information and identify potential credit risks.
• Excellent attention to detail, organization, and problem-solving abilities.
• Strong communication and interpersonal skills, including the ability to work collaboratively across departments.
• Willingness to learn, take on new challenges, and develop knowledge of 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 ability to repay.
• 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 apprenticeship opportunities 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