Town & Country Credit Union
  • Minot, ND, USA
  • $47,476 - $72,900 DOE
  • Salary
  • Full Time

Health, Dental, Vision, Life, Long Term Disability, Vacation, Sick Leave, 401(k)




Agricultural Business Credit Analyst




SVP Business Lending




September 26, 2017





Responsible for completing analysis and underwriting of commercial and agricultural credit requests and to determine credit risk and compliance with laws, regulations and policies pertaining to member business lending functions.




Develop and maintain a working knowledge of credit union history, philosophy, and organization. Support and implement the philosophy and objectives of Town & Country Credit Union.


Follow policies and procedures as outlined for the Department and credit union operations; provide superior service to all members and maintain strict confidence of all member and credit union information


Actively supports the culture and mission of the credit union.


Develop and maintain a working knowledge of credit union member business products and services as well as partner products with the Small Business Administration (SBA), other government sponsored programs and the Bank of North Dakota (BND).


Analyze financial statements and tax return data to assess financial condition of borrowers, determine performance ratios, adequacy of assigned risk ratings, cash flows, repayment sources and terms, assist in establishing financial loan covenants, ensuring compliance with existing financial loan covenants, guarantor support analysis, and collateral valuation/analysis.


Complete supporting credit documentation for each member business loan for submission to the Credit Committee for approval.


Work with the Business sales team in developing and implementing business development activities. May accompany Business Loan Officers in conducting business sales calls and presentations.


Analyze and report on portfolio analytics in regards to stress testing, risk rating systems, and aggregate business loan exposures.


Assist in the maintenance and administration of the tickler system.


Service and administer member business accounts. Develop and maintain a working knowledge of all business related computer systems and software.


Monitor loan portfolio to ensure that entire portfolio is in compliance with pertinent state and federal laws and regulations.


Recommend changes to lending policies and procedures in an effort to maintain a higher standard of operation/performance.


Cross-sell credit union products and services.


Look for additional opportunities in supporting a sales and service culture.


Assist with resolution of regulatory and audit findings as required.


Other duties as assigned.


Denotes essential function.



No supervisory responsibilities.



Develops and maintains operations consistent with the credit union's business model and delivers a consistent level of outstanding member service. Ensures operations conform to federal and state laws and regulation. Works effectively within overall credit union structure and in tandem with other departments.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Education or experience equivalent to a four-year college degree preferred and two years related work experience with progressively responsible duties. Knowledge of lending principles and procedures, loan services, and collections. Ability to counsel, communicate, and make decisions as required. Excellent oral and written communication skills, strong interpersonal skills, and personal computer/word processing skills required.



Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from members, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to management, public groups, and/or boards of directors.



Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.



Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.



Familiarity with all aspects of lending, including business lending and mortgage lending.


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


While performing the duties of this job, the employee is regularly required to sit and use hands to finger, handle, or feel objects, tools, or controls. The employee frequently is required to reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds.



The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.


The noise level in the work environment is usually moderate, but occasionally the noise level may increase due to the use of computer printers and other regular business machinery.




Acknowledge / Greet

  •  Establish eye contact
  • Greet member with a sincere smile
  • Visually show member they are important



  • Internal and external written documents and e-mails are to be well written, well executed, accurate, professional, and error free
  • External communications are to be typed, not handwritten



  • Use name at least once during conversation/transaction


  •  Avoid jargon (e.g. FSR, ALM, etc.)
  • Speak clearly
  • Be sensitive
  • Follow proper phone etiquette (e.g. smile, friendly voice tone, proper greeting and close, etc.)
  • Avoid negative inflections of voice such as sarcasm and rudeness



  • Be discreet
  • Keep private information private
  • Practice confidentiality at all times and regarding all conversations


Member Needs

  • Actively listen to your member
  • Clarify the request
  • Offer alternative solutions
  • Recommend appropriate products and services
  • Take complaints seriously, react quickly and follow up



  • Take ownership and satisfy member's request
  • Be timely in response and follow through to member and co-workers
  • Be accurate
  • Exceed expectations
  • Be the member's Trusted Advisor by knowing your job well



  • Well groomed (e.g. bathed, clean/pressed clothing, neat hair and make-up, etc.)
  • Take pride in self
  • Use open and attentive body language
  • Take pride in your work area
  • Dress to business expectations (e.g. meetings, interviews, community visits, etc.)
  • Always project a positive image of Town & Country Credit Union




The above duties, responsibilities, expectations, and other requirements shall not be considered a contract between the parties. Employee is placed on NOTICE that the Credit Union shall employ employee for such time as Credit Union is desirous of the services of employee. The duration of employment is unspecified and rests solely in the discretion of the Credit Union.

Town & Country Credit Union
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