Commercial & Agricultural Credit Specialist

Job Description

Job Description

Make a Difference—One Credit Decision at a Time Commercial & Agricultural Credit Specialist | Minot, ND

At North Star Community Credit Union, we believe every financial decision has the power to impact a member’s future. As a Commercial & Agricultural Credit Specialist you play a critical role in evaluating risk, supporting sound financial decisions, and helping local businesses, farmers, and ranchers achieve their goals. 

If you have a strong analytical mindset, attention to detail, and a passion for financial analysis, this is an opportunity to contribute to a mission-driven organization committed to doing what’s right for our members and our communities.

The Commercial & Agricultural Credit Specialist is responsible for analyzing financial information, assessing credit risk, and providing recommendations that support decision-making across consumer, agricultural, and commercial portfolios. This role partners closely with internal teams and leadership to ensure consistent, data-driven decisions aligned with North Star’s standards.

• Analyze financial statements, tax returns, and credit reports to assess risk
• Prepare detailed credit presentations and recommendations for financing requests
• Evaluate cash flow, debt service coverage, collateral, and overall financial strength
• Monitor existing relationships and identify emerging risks
• Partner with internal stakeholders to structure solutions that balance member needs with sound risk management
• Ensure compliance with internal policies and regulatory requirements
• Support portfolio reporting, trend analysis, and overall credit quality reviews

• Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience)
• 3+ years of experience in credit analysis, financial services, or related field preferred
• Strong understanding of financial statements and cash flow analysis
• Ability to interpret and communicate complex financial data clearly
• High attention to detail and strong organizational skills
• Proficiency in Microsoft Excel and financial analysis tools
• Ability to work collaboratively and manage multiple priorities

• Experience with agricultural or commercial credit analysis
• Familiarity with a credit union or financial services environment
• Strong critical thinking and decision-making skills
• Commitment to delivering a high level of service aligned with the North Star Way

At North Star, we know our employees are the foundation of our success. We're committed to providing a supportive work environment where you can grow professionally, build meaningful relationships, and make a difference in the communities we serve.

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Benefits & Perks

We offer a comprehensive benefits package designed to support the health, financial well-being, and work-life balance of our employees.

Our benefits may include:

• Health Insurance: Medical coverage options to help support you and your family's healthcare needs.
• Dental & Vision Insurance: Coverage options to support your overall health and wellness.
• Retirement Savings: A 401(k) retirement savings plan to help you prepare for your financial future.
• Paid Time Off: Opportunities to take time away from work to rest, recharge, and spend time with family.
• Paid Holidays: Time to enjoy recognized holidays.
• Professional Development: Opportunities to expand your knowledge, develop your skills, and grow your career.
• Employee Wellness: Initiatives focused on supporting employee health and well-being.
• Community Involvement: Opportunities to participate in activities that make a positive impact in the communities we serve.

More Than a Job—An Opportunity to Make a Difference

As a member of North Star's lending team, you'll have the opportunity to work alongside experienced professionals, develop your expertise in commercial and agricultural finance, and contribute to the success of local businesses, farmers, and ranchers.

Join a team where your contributions matter and your professional growth is valued.