Consumer Underwriter & Junior Analyst — Grow in Lending

Town and Country Credit Union; Fargo (ND); On-site; USD 42,000 - 64,000; 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

Lifestyle Spending Account

Job summary

Town & Country Credit Union in Fargo, ND is seeking a Consumer Underwriter & Junior Analyst to review consumer loan applications, analyze credit risk, and make sound underwriting decisions. You will cross-train with Agricultural and Commercial Credit Analysts to gain experience in financial statement analysis, cash flow evaluation, collateral assessment, and business lending.

The role emphasizes growing lending knowledge, collaboration across departments, and adherence to lending policies and

Qualifications

• Degree in Finance, Accounting, Business Administration, Agribusiness, or related field preferred.
• At least two years lending or financial analysis experience preferred.
• Strong analytical skills to interpret financial information and identify potential credit risks.
• Excellent attention to detail, organization, and problem-solving abilities.
• Strong communication and interpersonal skills to work across departments.
• Willingness to learn and grow knowledge in agricultural and commercial lending.

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

Bachelor's degree in Finance, Accounting, Business Administration, Agribusiness, or related field

Job description

Town & Country Credit Union in Fargo, ND is seeking a Consumer Underwriter & Junior Analyst to review consumer loan applications, analyze credit risk, and make sound underwriting decisions. You will cross-train with Agricultural and Commercial Credit Analysts to gain experience in financial statement analysis, cash flow evaluation, collateral assessment, and business lending.

The role emphasizes growing lending knowledge, collaboration across departments, and adherence to lending policies and