Ag/Commercial Loan Officer Trainee - Fargo

First Community Credit Union; Fargo (ND); On-site; USD 42,000 - 56,000; Full time

Benefits offered by this job

11 paid holidays

401k match

Medical, Dental & Vision

Job summary

First Community Credit Union in Fargo, ND is seeking an Ag/Commercial Loan Officer Trainee to support lending team through loan analysis, underwriting, and portfolio management. You will develop credit analysis skills and learn loan origination while serving members.

Ideal candidates are relationship-focused, analytical, and eager to build a career in commercial and agricultural banking. Full-time role with opportunities for growth in a member-owned financial cooperative.

Qualifications

• 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.

Skills

Analytical skills

Education

Bachelor's degree in business/finance or related field

Tools

Excel

Job description

About FCCU

FCCU is the largest credit union in the region with over a billion dollars in assets. We are a growing family of employees who succeed personally and professionally. We offer competitive compensation, technical and leadership development, and opportunities for industry and community involvement.

As a credit union we are member owned. This allows us to invest in our members and the communities we serve. Through helping others achieve financial growth and giving back to our communities, you can truly fulfill the FCCU mission: Life is Better with Community.

Core Values - Strengthen Community by helping members grow and thrive.

Community - Our communities define who we are: "People Helping People."

Integrity - We live and work with uncompromised integrity.

Passion - We display passion in our work and service to our membership.

Growth - Growing both as a Credit Union and professionally as employees is imperative to long‑term success.

Position Overview

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.

Duties and 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.

Qualifications

• 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.

Benefits

We provide a great benefits package that includes 11 paid federal holidays, 401k match, fully paid single medical, dental and vision, and much more. While benefits are important, we also recognize and support the value of family and work‑life balance.

Work Schedule

Full-time Monday-Friday

First Community Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. (EOE, including disability/vets)