Consumer Underwriter & Junior Analyst - Ag/Commercial

Town & Country Credit Union; Minot (ND); On-site; USD 65,000 - 85,000; Full time

Benefits offered by this job

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

Job summary

You will develop skills in financial statement analysis, cash flow evaluation, collateral assessment, and presenting credit recommendations, while supporting compliance with lending policies and regulations.

Qualifications

• Degree in Finance, Accounting, Business Administration, Agribusiness, or related field or equivalent experience.
• At least two years of related lending or financial analysis experience.
• Strong analytical skills and the ability to interpret financial information and identify risks.
• Excellent attention to detail, organization, and problem-solving abilities.
• Strong communication and interpersonal skills with cross-department collaboration.

Responsibilities

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

Skills

Analytical skills

Attention to detail

Communication skills

Interpersonal skills

Team collaboration

Education

Finance, Accounting, Business Administration, Agribusiness, or related field

Job description

You will develop skills in financial statement analysis, cash flow evaluation, collateral assessment, and presenting credit recommendations, while supporting compliance with lending policies and regulations.