What are the responsibilities and job description for the Senior Ag/Commercial Loan Officer position at North Star Community Credit Union?
Senior Agricultural & Commercial Loan Officer
North Star Community Credit Union
North Dakota | Serving the Minot Area
Lead Lending. Strengthening Agriculture. Grow Communities.
North Star Community Credit Union is seeking a Senior Agricultural & Commercial Loan Officer to lead and expand a high-impact lending portfolio serving the Minot area and surrounding rural communities.
This role is designed for a seasoned agricultural lender who brings deep market knowledge, strong credit acumen, and a strong passion for building meaningful member relationships within the credit union environment. You will play a critical role in supporting producers, ranchers, and agribusinesses while driving sustainable portfolio growth.
The Opportunity
- Lead and grow a $50MM–$150MM agricultural and commercial loan portfolio
- Serve as a trusted advisor to producers and business owners
- Operate with a high level of autonomy and market influence
- Contribute to the strategic direction of agricultural lending within the credit union
Key Responsibilities
Portfolio Leadership & Growth
- Develop, manage, and expand a complex agricultural and commercial portfolio
- Build long-term relationships with producers, ranchers, and agribusiness leaders
- Identify new lending opportunities within established and emerging markets
- Maintain strong visibility throughout the Minot-area agricultural community
Loan Origination & Credit Structuring
- Structure and originate complex lending solutions, including:
- Farm real estate
- Operating lines of credit
- Equipment and machinery financing
- Livestock and production loans
- Agribusiness and commercial real estate
- Perform in-depth financial analysis (cash flow, tax returns, balance sheets)
- Prepare and present high-quality credit packages
Portfolio Oversight & Risk Management
- Monitor portfolio performance and proactively manage credit risk
- Conduct borrower reviews, farm visits, and ongoing financial analysis
- Ensure compliance with internal policy and regulatory standards
Community & Industry Engagement
- Build a strong presence through:
- Farm and ranch visits
- Producer meetings
- Industry events and partnerships
- Act as a strategic financial partner to navigate growth and market shifts
Ideal Candidate Profile
A relationship-driven agricultural lender with credibility in rural markets and the ability to manage complex, high-value lending relationships.
Required Experience
- 7–12 years in agricultural and/or commercial lending
- Proven success managing large agricultural portfolios
- Strong knowledge of crop and livestock operations
- Experience structuring multi-million-dollar credit facilities
- Demonstrated ability to develop new business and retain long-term clients
Education
- Bachelor’s degree in business, Finance, Agricultural Economics, or related field
- Equivalent professional experience considered
Technical Expertise
- Agricultural financial analysis
- Cash flow modeling and credit structuring
- Collateral evaluation (land, equipment, livestock)
- Loan documentation and regulatory compliance
Preferred
- Experience in North Dakota or Minnesota agricultural markets
- Background supporting large-scale or diversified agricultural operations
Why North Star Community Credit Union
At North Star, agriculture is at the heart of everything we do. Our team partners directly with producers and businesses to fuel growth, manage risk, and strengthen local economies.
This is a unique opportunity to:
- Build a meaningful, high-impact portfolio
- Maintain autonomy in relationship management
- Influence the future of agricultural lending strategy
Compensation & Benefits
- Competitive base salary performance-based incentives
- Health, dental, and vision coverage
- Employer-supported retirement plan
- Generous PTO and holiday schedule
- Ongoing professional development
- Collaborative, community-focused culture
Join a team committed to helping farmers, ranchers, and businesses succeed across the Minot region.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.