Ag Credit Analyst - Underwrite & Grow Local Farm Lending

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

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.