Consumer Underwriter & Junior Analyst - Fargo

Are you analytical, detail-oriented, and interested in growing your lending knowledge?

Do you enjoy digging into the details, evaluating financial information, and helping make sound lending decisions? Are you interested in expanding your knowledge beyond consumer lending and learning more about agricultural and commercial credit? If so, we'd love to hear from you!

We're looking for a Consumer Underwriter & Junior Analyst to join our Credit Department! This position will primarily focus on reviewing consumer loan applications, analyzing credit risk, and making sound underwriting decisions. In addition, you'll have the opportunity to cross-train and apprentice alongside our Agricultural and Commercial Credit Analysts, gaining valuable experience in financial statement analysis, cash flow evaluation, collateral assessment, and business lending.

What You'll Do:

• 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.

What We're Looking For:

• A degree in Finance, Accounting, Business Administration, Agribusiness, or a related field is preferred, or equivalent relevant experience.
• At least two years of related lending or financial analysis experience preferred.
• Strong analytical skills and the ability to interpret financial information and identify potential credit risks.
• Excellent attention to detail, organization, and problem-solving abilities.
• Strong communication and interpersonal skills, with the ability to work collaboratively across departments.
• A willingness to learn, take on new challenges, and grow knowledge in agricultural and commercial lending.

Why Town & Country Credit Union?

At Town & Country Credit Union, our mission is to positively impact those we serve. With over 170 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, apply today.

Town & Country Credit Union is an Equal Opportunity Employer.