Credit Analyst

Credit Analyst

Location: Omaha, NE or Fargo, ND

We are looking for a Credit Analyst to join our team. As a Credit Analyst you will underwrite loans for farmers, ranchers, investors and some farm related businesses. Our teams work in a fast-paced and customer-driven environment focused on serving the needs of our customers. Your ability to be analytical, make quick and accurate decisions, and communicate effectively are essential skills for success on our team. If you like being challenged, enjoy making a difference, and are looking for a job with career growth and advancement opportunities, then we would like to hear from you.

Essential Duties & Responsibilities

• Responsible for underwriting activities within the respective portfolio.
• Conduct analysis of loan and lease requests including an evaluation of character, financial position and progress, repayment ability, collateral and conditions of approval.
• Analyze customer financial statements, which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, performance reconciliations, credit bureau reports, and commodity brokerage statements.
• Participate in consensus decision making on credit requests within delegated authorities or recommend actions requiring higher delegated authority.
• Establish and maintain sound credit administration. Adhere to the Associations' credit philosophy, procedures and guidelines.
• Complete documentation to support decisions made.
• Set appropriate loan terms and conditions to manage loan risk.
• Coordinate and prioritize work to support teammates and provide a positive customer experience.
• May direct or coordinate the work of others (Credit Operations Team, Loan Monitoring Analyst, Loan Closers, etc.).
• Will work independently on loans of moderate size and complexity as well as larger and more complex credits.

Travel Time: 10% travel during the day 10% travel overnight

Education Requirements

Bachelor's degree in Business Administration, Economics, Finance, or other related degree.

Experience

Experience with lending/credit analysts (2-10 years required depending on level). Ability to work effectively in a team environment. Understanding of credit management techniques, credit administration, and loan servicing. Strong knowledge of multiple agricultural industries.

Why Us

For qualifying positions, we provide a competitive benefits package designed to support health and well-being, financial security, and work-life balance:

• Health Benefits: Comprehensive medical, dental, and vision insurance
• Retirement Plans: 401(k)
• Paid Time Off: Vacation, sick leave, paid holidays, and parental leave
• Additional Benefits: Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and short-term incentive pay

AgCountry Farm Credit Services, Farm Credit Services of America, and Frontier Farm Credit are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.