Ag Credit Analyst

Town & Country Credit Union; Minot (ND); On-site; USD 60,000 - 95,000; Full time

Benefits offered by this job

Competitive pay

Paid holidays

Generous paid time off

Dress for your day

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

Job summary

You'll collaborate with Ag Lenders and Loan Officers on site visits, prepare comprehensive credit memos for senior management, and assist in portfolio health through stress testing and monitoring government programs.

The role requires a four-year degree or equivalent experience, strong financial statement analysis, and proficiency in Office software; Abrigo experience is a plus, and the team emphasizes a sales-and-service culture.

Qualifications

• A four-year college degree (or equivalent experience) with previous experience as a Credit Analyst in a financial institution preferred.
• 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 skills, with 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.

Responsibilities

• Analyze Financial Data: Input and organize financial statements and tax returns into analysis software to assess the financial trends and conditions of business and personal borrowers.
• Underwrite Credit Requests: Evaluate loan requests, determining performance ratios, cash flow feasibility, and the adequacy of risk ratings.
• Collaborate with Sales: Work alongside Ag Lenders to develop business activities and occasionally join Loan Officers on site visits and presentations.
• Ensure Compliance: Recommend loan covenants, provide collateral valuations, and monitor the loan portfolio to ensure alignment with state and federal regulations.
• Prepare Credit Presentations: Complete comprehensive credit memos for submission to Senior Management and/or the Credit Committee for approval.
• Support Portfolio Health: Assist in portfolio stress testing and reporting on aggregate loan exposures while maintaining a working knowledge of BND and other government-sponsored programs.

Education

Four-year degree or equivalent experience

Tools

Abrigo credit software

Job description

Town & Country Credit Union is seeking a detail-oriented, analytical, motivated Ag Credit Analyst to join our collaborative Ag lending operations team. If you have a sharp eye for financial data, enjoy uncovering the story behind the numbers, and want to play a critical role in supporting the growth of local farms, this role is for you!

What You'll Do

As an Ag Credit Analyst, you'll be the backbone of our agricultural lending process. You will support our lenders by conducting thorough financial analysis and underwriting credit requests. From evaluating risk to ensuring our loans remain compliant with regulations, your work ensures the financial health of both our members and the credit union.

Key Responsibilities:

• Analyze Financial Data: Input and organize financial statements and tax returns into analysis software to assess the financial trends and conditions of business and personal borrowers.
• Underwrite Credit Requests: Evaluate loan requests, determining performance ratios, cash flow feasibility, and the adequacy of risk ratings.
• Collaborate with Sales: Work alongside Ag Lenders to develop business activities and occasionally join Loan Officers on site visits and presentations.
• Ensure Compliance: Recommend loan covenants, provide collateral valuations, and monitor the loan portfolio to ensure alignment with state and federal regulations.
• Prepare Credit Presentations: Complete comprehensive credit memos for submission to Senior Management and/or the Credit Committee for approval.
• Support Portfolio Health: Assist in portfolio stress testing and reporting on aggregate loan exposures while maintaining a working knowledge of BND and other government-sponsored programs.

What We’re Looking For

Our ideal candidate has:

• Education & Experience: A four-year college degree (or equivalent experience) with previous experience as a Credit Analyst in a financial institution preferred.
• Technical Knowledge: A solid understanding of lending principles, loan services, and financial statement analysis.
• Analytical Mindset: The ability to interpret complex data and make sound credit recommendations.
• Communication Skills: Excellent oral and written skills, with the ability to explain financial findings clearly to team members and management.
• Tech Savvy: Proficiency in Microsoft Office and the ability to quickly master business-related computer systems and analysis software. Experience with Abrigo credit software is a plus.
• Team Spirit: A commitment to a "sales and service" culture, with the ability to recommend products that benefit our members.

Why Town & Country Credit Union?

At Town & Country Credit Union, our mission is positively impact those we serve. With over 175 professionals across 11 branches in Fargo, West Fargo, Minot, Kenmare, and Stanley, we are committed to delivering value to our members and fostering a supportive, purpose-driven workplace.

• We are guided by five core values:
• Do the right thing
• Operate with integrity
• Keep it simple
• Find a way to say yes
• Make a difference

If you connect with these values, you'll thrive here.

Benefits You’ll Enjoy

Whether you’re full-time or part-time, we offer a range of benefits designed to support your well-being and success:

1. Competitive pay
2. Paid holidays
3. Generous paid time off
4. "Dress for your day" dress code
5. Health, dental, and vision insurance
6. Life and disability insurance
7. Flexible spending accounts
8. 401(k) with employer contributions
9. Paid volunteer time
10. Tuition reimbursement
11. YMCA Corporate Membership Discount or Lifestyle Spending Account

If you're a motivated and service-oriented lending professional looking to grow your career with a purpose-driven credit union,

Town & Country Credit Union is an Equal Opportunity Employer.