Credit Analyst

Farm Credit Services of America•Omaha, NE

6d•Hybrid

About The Position

The Credit Analyst underwrites loans for farmers, ranchers, investors, and farm-related businesses in a fast-paced, customer-driven environment. The role requires analytical judgment, the ability to make timely and accurate decisions, and effective communication. The incumbent must work a percentage of each week in the Omaha, Nebraska, or Fargo, North Dakota, office and is expected to travel 10% during the day and overnight. The analyst evaluates loan and lease requests, including borrowers’ character, financial position and progress, repayment ability, collateral, and approval conditions. The position involves analyzing financial statements and related materials, applying an appropriate level of analysis based on the risk, size, and complexity of each request, participating in credit decisions within delegated authority, and recommending actions requiring higher authority. The analyst establishes loan terms and conditions, maintains credit administration, documents decisions, and coordinates work to support colleagues and a positive customer experience. The role may also direct or coordinate the work of others and includes independent work on moderate-sized loans as well as larger, more complex credits.

Requirements

At least 2 years of experience with lending and credit analysis.
Understanding of credit management techniques, credit administration, and loan servicing.
Ability to analyze credit and make quick, accurate decisions.
Ability to communicate effectively.
Must work a percentage of time each week in the Omaha, NE, or Fargo, ND, office.
Able to meet the 10% daytime and overnight travel requirement.

Nice To Haves

Bachelor's degree in Business Administration, Economics, Finance, or another related field.
Knowledge of agricultural industries.

Responsibilities

Underwrite loans and perform credit analysis within the assigned portfolio.
Analyze loan and lease requests, evaluating character, financial position and progress, repayment ability, collateral, and approval conditions.
Ensure adequate information is available to make credit decisions.
Analyze customer financial statements and related information, which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, performance reconciliations, credit bureau reports, and commodity brokerage statements.
Apply a level of analysis appropriate to the risk, type, and size of each loan request, using market-based and GAAP-quality financials and other differential analysis techniques.
Participate in credit decisions within delegated authority and recommend actions requiring higher delegated authority.
Establish and maintain sound credit administration and follow association credit philosophy, procedures, and guidelines.
Complete documentation supporting credit decisions.
Establish 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, including the Credit Operations Team, Loan Monitoring Analyst, and Loan Closers.
Work independently on loans of moderate size and complexity as well as larger, more complex credits.