VP Agricultural Lending

Job Description

Job Description

Competitive Salary + Comprehensive Benefits

Are you passionate about supporting local agriculture and helping producers succeed? Skilled at building relationships, analyzing financials, and structuring lending solutions? You could be the perfect fit for our team as a VP, Agricultural Loan Officer at Town & Country Credit Union.

As a VP, Agricultural Loan Officer, you'll develop and manage a portfolio of high-quality agricultural loans, traveling to farms and ag operations to build connections, assess needs, and create financing solutions that help our members grow. We're seeking an experienced, community-minded professional who excels at relationship development, financial analysis, and delivering exceptional service.

What You'll Do

In this role, you'll handle the full lending process-from prospecting and relationship management to structuring and closing loans. Key responsibilities include:

• Designing innovative financial packages based on member needs, pricing competitively based on risk and profitability.
• Advise members on loan decisions and financial strategies by interpreting balance sheets, income statements, and cash flow projections, while providing expert guidance on their current financial position and future credit needs.
• Building and managing a high-quality agricultural loan portfolio to meet growth, production, and credit quality targets.
• Promoting and selling loan products, while cross-selling additional products and services that support long-term member success.
• Generating new business by facilitating cold and warm outreach, nurturing leads, and guiding prospects through the sales process.
• Collaborating with credit analysts to review and present credit packages and participating in the consensus decision-making process.
• Structure loan terms and prepare proposals while ensuring compliance with policies and regulations; continuously monitor loan performance, identify potential risks, and take timely action on delinquent accounts.
• Engaging with industry groups, participating in ag-related events, and maintaining a strong professional presence in the agricultural community.
• Traveling regularly to farms and agricultural sites for visits, assessments, and relationship development.

What We're Looking For

• Bachelor's degree in business administration, Finance, Agricultural Management, or related field (or equivalent experience).
• 7+ years in agribusiness, farming, or agricultural lending.

• North Dakota crop hail insurance license preferred but not required.
• Strong financial and mathematical skills, including loan amortization, interest calculations, and risk assessment.

• Excellent communication, interpersonal, and organizational abilities.
• Proven ability to build trust and long-term relationships with members.

Why Town & Country Credit Union?

We're a team of 160 professionals across 10 branches in Fargo, West Fargo, Minot, Kenmare, and Stanley. At Town & Country Credit Union, we're committed to making a positive impact-on our members, our employees, and our communities.

We believe in delivering outstanding products and services while fostering a supportive and growth-oriented work environment. You'll find opportunities to take on new challenges, grow your skills, and make meaningful contributions every day.

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

Ready to Make an Impact?

If you're looking for a career where your expertise in agriculture and finance makes a real difference, we'd love to meet you.

Explore our careers and apply here

Town & Country Credit Union is an Equal Opportunity Employer.