Town & Country Credit Union — a purpose-driven financial institution with over 175 professionals across 11 branches in North Dakota — is seeking a detail-oriented, analytically strong, and service-minded Ag Credit Analyst to join their collaborative agricultural lending operations team in Minot, North Dakota. This is a critical role for someone who has a sharp eye for financial data, enjoys uncovering the story behind the numbers, and wants to play a meaningful part in supporting the growth of local North Dakota farms and agricultural businesses. Day-to-day responsibilities span financial statement analysis, credit underwriting, portfolio monitoring, compliance management, credit memo preparation, and collaboration with Ag Lenders and Loan Officers. Experience with Abrigo credit software is a plus. A full competitive benefits package including 401(k), health, dental, vision, tuition reimbursement, and generous paid time off is provided.
About Town & Country Credit Union — North Dakota
Company: Town & Country Credit Union — member-focused, purpose-driven financial institution across North Dakota
Scale: 175+ professionals across 11 branches in Fargo, West Fargo, Minot, Kenmare, and Stanley, ND
Mission: Positively impact those we serve — guided by doing the right thing, integrity, simplicity, and making a difference
Ag Lending Focus: Supporting the financial health of North Dakota’s agricultural members and farm operations
Culture: Purpose-driven, values-aligned, supportive team environment — “Find a Way to Say Yes” is a core principle
Town & Country Credit Union — Full Benefits Package Minot ND
Pay: Competitive salary aligned to experience, qualifications, and credit union industry benchmarks
Retirement: 401(k) retirement plan with employer contributions — building long-term financial security
Health: Health, dental, and vision insurance coverage — supporting full employee and family wellbeing
Insurance: Life and disability insurance included in the comprehensive employee benefits package
Time Off: Generous paid time off, paid holidays, and paid volunteer time to support work-life balance
Development: Tuition reimbursement programme — supporting continued education and professional credential pursuit
Extras: Flexible spending accounts, YMCA Corporate Membership Discount or Lifestyle Spending Account, and “Dress for Your Day” dress code
Career Opportunity — Agricultural Lending in Minot ND
Community Impact: Your Ag credit analysis directly supports North Dakota farms and agricultural businesses you see every day
Analytical Depth: Uncover the financial story behind North Dakota farm operations through thorough credit underwriting
Member Focus: Work for a credit union where your recommendations genuinely impact real farming families across ND
Career Growth: Strong pathway to Senior Ag Credit Analyst, Ag Loan Officer, or Ag Portfolio Manager at Town & Country
Position Overview
This Ag Credit Analyst role at Town & Country Credit Union in Minot, ND is a technically demanding, analytically rewarding, and community-connected position at the financial heart of the credit union’s agricultural lending operations. The Ag Credit Analyst supports Ag Lenders by conducting thorough financial analysis and credit underwriting — inputting and organising financial statements and tax returns into analysis software, evaluating loan requests, determining performance ratios and cash flow feasibility, assessing risk ratings, recommending loan covenants, providing collateral valuations, and monitoring the loan portfolio for regulatory compliance. The role also involves preparing comprehensive credit memos for Senior Management and Credit Committee review, assisting with portfolio stress testing, maintaining knowledge of BND and government-sponsored lending programmes, and collaborating with Ag Lenders on member site visits and business development activities. Experience with Abrigo credit software is a plus — and a genuine passion for supporting North Dakota’s agricultural community is what makes this role truly meaningful.
Why This Role Matters: At Town & Country Credit Union, the Ag Credit Analyst is not just processing spreadsheets — you are the analytical backbone of a lending operation that directly funds North Dakota farms, supports agricultural families, and helps rural communities thrive. Every credit memo you write, every risk rating you assess, and every compliance check you complete plays a real and lasting role in the financial health of the agricultural members who trust Town & Country with their most important business decisions.
Key Responsibilities
Financial Data Analysis & Statement Review
- Input and organise financial statements and tax returns into analysis software to assess trends and conditions of agricultural borrowers
- Analyse business and personal financial statements — identifying strengths, weaknesses, trends, and key credit indicators for Ag lending
- Apply sound financial analysis techniques to evaluate the overall financial health of farm operations and Ag business borrowers
- Maintain working knowledge of BND (Bank of North Dakota) and other government-sponsored agricultural lending programmes
Credit Underwriting & Risk Assessment
- Evaluate agricultural loan requests — determining performance ratios, cash flow feasibility, and the adequacy of risk ratings
- Make well-reasoned and clearly documented credit recommendations based on thorough financial analysis and applicable lending policy
- Recommend appropriate loan covenants, provide collateral valuations, and ensure all credit decisions are well-supported by data
- Assist in portfolio stress testing and reporting on aggregate Ag loan exposures across the credit union’s agricultural portfolio
Compliance, Portfolio Monitoring & Credit Memos
- Monitor the Ag loan portfolio to ensure ongoing alignment with applicable North Dakota state and federal lending regulations
- Prepare comprehensive, professionally written credit memos for submission to Senior Management and the Credit Committee
- Ensure all credit analysis activities and loan recommendations comply with the credit union’s internal credit policies and standards
- Maintain accurate, thorough, and organised documentation across all credit analysis work and portfolio monitoring activities
Collaboration with Ag Lenders & Business Development
- Work closely and collaboratively with Ag Lenders to develop business activities and support member relationship management
- Occasionally join Loan Officers on field site visits and member presentations — contributing Ag credit analysis expertise
- Support a “sales and service” culture — recommending credit products and services that genuinely benefit agricultural members
- Communicate financial analysis findings clearly to team members and management through strong written and oral presentation skills
Qualifications & Requirements
Educational Requirements
- A four-year college degree in finance, accounting, agricultural business, economics, or a related field — or equivalent professional experience
- Previous experience as a Credit Analyst in a financial institution or agricultural lending environment is strongly preferred
Technical Knowledge
- Solid understanding of lending principles, loan services, financial statement analysis, and credit risk assessment methodologies
- Proficiency in Microsoft Office — particularly Excel — for financial data organisation, analysis, and credit reporting activities
- Experience with Abrigo credit software or similar credit analysis platforms is a significant and valued advantage for this role
- Ability to quickly master business-related computer systems, analysis software, and credit union technology platforms
Essential Skills & Attributes
- Strong analytical mindset — able to interpret complex financial data and make sound, well-reasoned Ag credit recommendations
- Excellent oral and written communication skills — able to explain financial findings clearly to team members, Ag Lenders, and management
- Detail-oriented, accurate, and organised — with the ability to manage multiple credit analysis files and meet deadlines consistently
- Team player and service-oriented — committed to the credit union’s purpose-driven mission and agricultural member community
About Town & Country Credit Union — Minot, ND
Town & Country Credit Union is a member-owned, purpose-driven financial cooperative with over 175 professionals serving North Dakota communities across 11 branches in Fargo, West Fargo, Minot, Kenmare, and Stanley. Guided by five core values — do the right thing, operate with integrity, keep it simple, find a way to say yes, and make a difference — the credit union is deeply committed to the financial wellbeing of its agricultural members and the broader rural North Dakota communities it serves. The Ag Credit Analyst role in Minot is a central, respected, and professionally rewarding position within Town & Country’s agricultural lending team — offering the combination of analytical depth, community purpose, competitive compensation, and genuine career advancement that makes this one of the most attractive Ag finance opportunities available in North Dakota today.
Career Excellence: Join Town & Country Credit Union in Minot — analyse agricultural credit, support ND farm financing, develop Ag lending expertise alongside experienced Loan Officers, earn competitive pay with 401(k), full health benefits, and tuition reimbursement, and build a meaningful financial career serving North Dakota’s agricultural community.
Who Should Apply?
- Agricultural Credit Analysts: With financial statement analysis, underwriting, and farm lending experience in ND or surrounding states
- Credit Union Financial Professionals: With Ag lending, portfolio monitoring, and regulatory compliance backgrounds in North Dakota
- Abrigo Credit Software Users: With agricultural credit analysis experience seeking meaningful Minot ND credit union careers
- Finance Graduates: With agricultural business, accounting, or economics degrees and a passion for supporting ND farming communities
- Farm Lending Analysts: Interested in joining a purpose-driven, values-aligned North Dakota credit union with excellent benefits
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