Credit Officer - Agribusiness

Farm Credit Services of America • Omaha, NE

3d

About The Position

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica)
and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.
 Job SummaryWe are seeking a Credit Officer on the Corporate Credit Underwriting Team working primarily with assigned loans within the Corporate and Commercial Business Development Teams for Farm Credit Services of America, AgCountry Farm Credit Services, and Frontier Farm Credit. These loans and the respective role will focus primarily on Agribusiness.  Loans may be originated or purchased. Credit Officers work in a team environment to jointly serve the needs of our customers through consensus decision-making with Relationship Managers. Duties may extend to providing back-up and support to Retail Underwriting Teams.

Requirements

• 6 + years of experience, Lending/Credit Analysis and/or Commercial/Corporate Lending
• Preferred, 4 Year / Bachelor's Degree, Business Administration, Economics, Finance or other related degree

Responsibilities

• Responsible for underwriting activities within the corporate and commercial portfolio.
• Engage with Relationship Manager on loan proposals and presentations including structure and covenants.
• Conduct analysis of loan and lease requests including an evaluation of management, financial position and progress, repayment ability, collateral and conditions of approval.
• Assure adequate information is available to make the decision.
• Analyze customer financial statements, which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, production reports, and commodity brokerage statements.
• Ongoing monthly monitoring of customer financial covenants, borrowing base and customer financial position.
• Conduct a differential level of analysis appropriate for the risk presented by the type and size of loan request or servicing action.
• Credit Officers will have the ability to act under significant individual delegated credit authority.
• Coordinate with sales teammates and lead recommended actions for loan committee approval if outside individual delegated authorities.
• Establish and maintain sound credit administration.
• Adhere to the Associations’ credit philosophy, procedures, and guidelines.
• Complete credit narrative to support decisions made.
• 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 teammates.
• Build working relationships with external parties (customers executive team, accountants, attorneys, lenders).
• Perform other credit-related functions needed to properly service the loan portfolio.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees