Ag Credit & Lending Associate
Black Hills Federal Credit Union, Rapid City, SD, United States
Who We Are
We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, “We Improve Lives.” This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well‑being of members.
At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.
General Purpose The Agricultural Lender / Credit Analyst is a temporary, developmental role designed to support the Credit Union’s agricultural lending program through structured training in credit analysis, loan underwriting, and member relationship development. This entry level position is intended for a recent college graduate or a skilled industry professional with an interest in agricultural finance and is structured as a time limited role with an expected duration of 0 to 18 months.
Throughout this period, the incumbent receives progressive training, coaching, and oversight from senior lenders and credit management, with clearly defined performance milestones tied to credit proficiency, member engagement, and policy compliance. The role combines foundational credit analysis, member support, and business development responsibilities and is intended to prepare the employee for successful promotion or transition into a permanent lending or credit role within the Credit Union.
Continued employment beyond 18 months is contingent upon demonstrated competency and advancement into an Agricultural Lender, Credit Analyst II, or comparable role. This position is designed as a rotational or trainee role and is not intended to be held beyond 18 months without advancement.
Essential Duties/Responsibilities
Assist in the processing, analysis, and documentation of agricultural loan applications, including verifying application completeness, conducting credit investigations, and supporting collateral valuation and loan structure in accordance with Credit Union policy.
Assist with underwriting, with guidance from the Credit Administration Manager/Ag Lending Manager, smaller and less complex new and existing agricultural and commercial credit requests.
Assist with spreads and analyzing financial information such as year end and interim financial statements, personal financial statements, accounts receivable, and accounts payable.
Assist with gathering, consolidate, and summarize financial and credit data to support sound credit recommendations and identify potential credit risks.
Help prepare written credit analyses outlining borrower financial condition, risk factors, and overall creditworthiness.
Confer with lenders, borrowers, accountants, and internal business partners to obtain and verify credit information.
Assist with ongoing servicing of existing agricultural members, including site visits, security and collateral monitoring, and portfolio reviews.
Participate in meetings and discussions with current and prospective members to review business operations, financial performance and credit needs.
Support agricultural lending growth by helping identify potential members, explaining Credit Union products and services, and making appropriate referrals based on loan size and complexity.
Assist with the development and maintenance of member profiles to better understand short and long term financial needs and strengthen agricultural member relationships.
Schedule and track proactive member contacts by phone, mail, and in person to build rapport, assess needs, and support follow up efforts.
Assist with monitoring progress toward individual and department goals using available systems and reports, and seek coaching and feedback as needed.
Study and become knowledgeable of agricultural loan policies, Credit Union products and services, operational processes and industry trends.
Collaborate with the Ag Loan Manager, lenders, and support staff to support loan growth, service quality and member satisfaction.
Perform additional duties and assist with special projects as assigned.
Other Duties/Responsibilities
Gain understanding and proficiency of business related compliance issues
Understand SBA/USDA underwriting requirements and documents
Assist lenders and loan support staff in loan closing activities
Learn trends within the industry by attending seminars, workshops and reading industry periodicals
Job Qualifications (Skills) BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.
Vision: A sighted person to effectively review documents.
Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.
Manual Dexterity: Ability to perform necessary computer related input.
Physical Mobility: Moderate mobility required. Requires the ability to work flexible hours.
Must possess a valid driver’s license and be able to drive a company vehicle to events.
Job Qualifications (Ability)
Ability to understand and follow complex written and oral instructions.
Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others.
Ability to express oneself, clearly and concisely, both orally and in writing.
Ability to complete income, credit, and asset review.
Ability to prepare and maintain confidential records and reports.
Ability to gather, assemble, correlate, and analyze facts and develop solutions.
Ability to analyze statistics and financial data.
Ability to interact with more than one department daily.
Ability to produce a high volume of work in a timely manner that is accurate, complete, and of high quality.
Ability to analyze out of balance situations and devise solutions.
Ability to take initiative to resolve problems or unique circumstances.
Must maintain the ability to interact with leadership in other areas, dealers, vendors and team members with a calm and professional approach at all times.
Job Qualifications (Education/Experience) Job requires a four year college degree or equivalent education demonstrating college level language, mathematical, and reasoning skills. This position requires proficiency in analytical thinking and quantitative skills.
Candidates without prior lending experience will be trained; experience or coursework related to agricultural or commercial finance/lending is preferred but not required.
Material and Equipment Involved
In House Computer System
WebEx
10 Key Calculator
Credit Bureau System
Personal Computer
Photocopy Machine
Scanners
Microsoft Office Suite
Various Software Applications
Salesforce
Cino
Work Environment / Physical Activities Occasional travel to one of BHFCU’s branch locations or attendance at community events may be required.
Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6 to 8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions Must be able to routinely perform work indoors in climate controlled shared work area with moderate noise.
Mental And/or Emotional Requirements Must be able to perform job functions with supervision and work effectively either alone or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.
Notice This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment. Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Black Hills Federal Credit Union is an equal opportunity employer.
Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.
#J-18808-Ljbffr
At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.
General Purpose The Agricultural Lender / Credit Analyst is a temporary, developmental role designed to support the Credit Union’s agricultural lending program through structured training in credit analysis, loan underwriting, and member relationship development. This entry level position is intended for a recent college graduate or a skilled industry professional with an interest in agricultural finance and is structured as a time limited role with an expected duration of 0 to 18 months.
Throughout this period, the incumbent receives progressive training, coaching, and oversight from senior lenders and credit management, with clearly defined performance milestones tied to credit proficiency, member engagement, and policy compliance. The role combines foundational credit analysis, member support, and business development responsibilities and is intended to prepare the employee for successful promotion or transition into a permanent lending or credit role within the Credit Union.
Continued employment beyond 18 months is contingent upon demonstrated competency and advancement into an Agricultural Lender, Credit Analyst II, or comparable role. This position is designed as a rotational or trainee role and is not intended to be held beyond 18 months without advancement.
Essential Duties/Responsibilities
Assist in the processing, analysis, and documentation of agricultural loan applications, including verifying application completeness, conducting credit investigations, and supporting collateral valuation and loan structure in accordance with Credit Union policy.
Assist with underwriting, with guidance from the Credit Administration Manager/Ag Lending Manager, smaller and less complex new and existing agricultural and commercial credit requests.
Assist with spreads and analyzing financial information such as year end and interim financial statements, personal financial statements, accounts receivable, and accounts payable.
Assist with gathering, consolidate, and summarize financial and credit data to support sound credit recommendations and identify potential credit risks.
Help prepare written credit analyses outlining borrower financial condition, risk factors, and overall creditworthiness.
Confer with lenders, borrowers, accountants, and internal business partners to obtain and verify credit information.
Assist with ongoing servicing of existing agricultural members, including site visits, security and collateral monitoring, and portfolio reviews.
Participate in meetings and discussions with current and prospective members to review business operations, financial performance and credit needs.
Support agricultural lending growth by helping identify potential members, explaining Credit Union products and services, and making appropriate referrals based on loan size and complexity.
Assist with the development and maintenance of member profiles to better understand short and long term financial needs and strengthen agricultural member relationships.
Schedule and track proactive member contacts by phone, mail, and in person to build rapport, assess needs, and support follow up efforts.
Assist with monitoring progress toward individual and department goals using available systems and reports, and seek coaching and feedback as needed.
Study and become knowledgeable of agricultural loan policies, Credit Union products and services, operational processes and industry trends.
Collaborate with the Ag Loan Manager, lenders, and support staff to support loan growth, service quality and member satisfaction.
Perform additional duties and assist with special projects as assigned.
Other Duties/Responsibilities
Gain understanding and proficiency of business related compliance issues
Understand SBA/USDA underwriting requirements and documents
Assist lenders and loan support staff in loan closing activities
Learn trends within the industry by attending seminars, workshops and reading industry periodicals
Job Qualifications (Skills) BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.
Vision: A sighted person to effectively review documents.
Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.
Manual Dexterity: Ability to perform necessary computer related input.
Physical Mobility: Moderate mobility required. Requires the ability to work flexible hours.
Must possess a valid driver’s license and be able to drive a company vehicle to events.
Job Qualifications (Ability)
Ability to understand and follow complex written and oral instructions.
Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others.
Ability to express oneself, clearly and concisely, both orally and in writing.
Ability to complete income, credit, and asset review.
Ability to prepare and maintain confidential records and reports.
Ability to gather, assemble, correlate, and analyze facts and develop solutions.
Ability to analyze statistics and financial data.
Ability to interact with more than one department daily.
Ability to produce a high volume of work in a timely manner that is accurate, complete, and of high quality.
Ability to analyze out of balance situations and devise solutions.
Ability to take initiative to resolve problems or unique circumstances.
Must maintain the ability to interact with leadership in other areas, dealers, vendors and team members with a calm and professional approach at all times.
Job Qualifications (Education/Experience) Job requires a four year college degree or equivalent education demonstrating college level language, mathematical, and reasoning skills. This position requires proficiency in analytical thinking and quantitative skills.
Candidates without prior lending experience will be trained; experience or coursework related to agricultural or commercial finance/lending is preferred but not required.
Material and Equipment Involved
In House Computer System
WebEx
10 Key Calculator
Credit Bureau System
Personal Computer
Photocopy Machine
Scanners
Microsoft Office Suite
Various Software Applications
Salesforce
Cino
Work Environment / Physical Activities Occasional travel to one of BHFCU’s branch locations or attendance at community events may be required.
Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6 to 8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions Must be able to routinely perform work indoors in climate controlled shared work area with moderate noise.
Mental And/or Emotional Requirements Must be able to perform job functions with supervision and work effectively either alone or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.
Notice This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment. Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Black Hills Federal Credit Union is an equal opportunity employer.
Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.
#J-18808-Ljbffr