Credit Officer Ag Lending

Empowered to live. Inspired to work.

Compeer Financial is a member‑owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally.

• Hybrid model – up to 50% work from home
• Flexible schedules including ample flexibility in the summer months
• Up to 9% towards 401(k) (3% fixed Compeer contribution plus up to 6% match)
• Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short‑term and long‑term disability, wellness program & EAP
• Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off
• Learning and development programs
• Mentorship programs
• Cross‑functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.)
• Professional membership/certification reimbursement and more!

Casual/seasonal & intern team members are not eligible for benefits except for state‑mandated programs.

To learn more about Compeer Financial visit

This position offers a hybrid work option up to 50% and is based out of the Worthington, MN or Blue Earth, MN office locations.

This position analyzes new credit requests, makes loan servicing decisions for existing clients and performs other essential credit duties. Completes the financial analysis and underwriting on a variety of crop and livestock industries throughout Compeer's territory. Makes credit decisions that are consistent with established credit policies, procedures and best practices. This position approves or denies requests within their delegated authority with a majority of the time being spent on completing loan analysis and communicating decisions to internal and external team members.

Works with clients and Financial Officers to discuss loan packages and provides financial counseling to clients. Visits clients, as needed.

• Analyzes financial and supporting documentation submitted for formal and informal lending and servicing requests.
• Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.
• Approves, declines, or escalates credit decision to higher authority levels as required.
• Determines appropriate level of analysis and due diligence required based on credit risk.
• Determines appropriate account classification and probability of default rating.
• Effectively communicates credit decision, terms, conditions, and findings through a formal narrative write‑up.
• Establishes loan conditions and closing requirements for approved actions.
• Answers questions and provides direction on credit related issues that arise during the processing, closing, and servicing of lending transactions.
• Facilitates negotiation of credit agreements between Compeer, borrower, participants and outside counsel.
• Creates innovative credit packages to meet client needs.

• Proactively monitors lending portfolio and loan performance for the organization and provides direction for loan classification.
• Works directly with sales team or with clients to develop a plan to cure loan delinquencies or other servicing requests.
• Determines how to structure stressed credits to meet internal lending requirements, client expectations, and organizational growth objectives.
• Coordinates with sales and RAU teams to develop servicing plans and other monitoring requirements for higher risk client relationships.
• Monitors database exception reports to ensure proper financial, collateral, and loan classifications are accurate.
• Works closely with sales and operations teams to understand quantitative and qualitative information to balance credit risk with portfolio growth.

• Works jointly with Financial Officers and other team members to implement Team Relationship Model approach…