Credit Analyst
Fargo, ND, US, 58108 Beatrice, NE, US, 68310 Cedar Falls, IA, US, 50613-0396 Jamestown, ND, US, 58401 Omaha, NE, US, 68137-2210 Crosby, ND, US, 58730 Sheldon, IA, US, 51201 Scottsbluff, NE, US, 69361 Hallock, MN, US, 56728 Medford, WI, US, 54451 Olivia, MN, US, 56277 Redwood Falls, MN, US, 56283 Lincoln, NE, US, 68521 Marysville, KS, US, 66508-0349 Emmetsburg, IA, US, 50536 Cavalier, ND, US, 58220 Baldwin City, KS, US, 66006-0858 Bottineau, ND, US, 58318 Mason City, IA, US, 50401 North Platte, NE, US, 69101 Alexandria, MN, US, 56308 Storm Lake, IA, US, 50588 Thorp, WI, US, 54771 Norfolk, NE, US, 68701 Emporia, KS, US, 66801-7350 Mount Pleasant, IA, US, 52641 Elbow Lake, MN, US, 56531 Langdon, ND, US, 58249 Sioux Falls, SD, US, 57108 Mobridge, SD, US, 57601 Fergus Falls, MN, US, 56537 Parsons, KS, US, 67357-8110 Minot, ND, US, 58701 Valley City, ND, US, 58072 Stevens Point, WI, US, 54482 Newton, IA, US, 50208 Litchfield, MN, US, 55355 Wausau, WI, US, 54402 Thief River Falls, MN, US, 56701 Watertown, SD, US, 57201 Grand Island, NE, US, 68803 Ada, MN, US, 56510 Devils Lake, ND, US, 58301 Sioux City, IA, US, 51106 Imperial, NE, US, 69033 Hiawatha, KS, US, 66434-0297 DeWitt, IA, US, 52742 Rapid City, SD, US, 57702 Lisbon, ND, US, 58054 Marshall, MN, US, 56258 Casper, WY, US, 82601 Warren, MN, US, 56762 Williston, ND, US, 58801 Marshalltown, IA, US, 50158 Hillsboro, ND, US, 58045 Rugby, ND, US, 58368 Webster City, IA, US, 50595 Grand Forks, ND, US, 58208-3570 Yankton, SD, US, 57078 Manhattan, KS, US, 66503-0368 Detroit Lakes, MN, US, 56501 Aberdeen, SD, US, 57401 Kearney, NE, US, 68847 Minot, ND, US, 58702 Pierre, SD, US, 57501 Alliance, NE, US, 69301 Omaha, NE, US, 68137-2210 Fosston, MN, US, 56542 Columbus, NE, US, 68601 Minneapolis, MN, US, 55426 Red Oak, IA, US, 51566-1284 Bowbells, ND, US, 58721 Crookston, MN, US, 56716 Roseau, MN, US, 56751 Morris, MN, US, 56267 Manchester, IA, US, 52057-1522 Willmar, MN, US, 56201 Madison, MN, US, 56256 Carroll, IA, US, 51401 Broken Bow, NE, US, 68822 Decorah, IA, US, 52101 Hiawatha, IA, US, 52233 LaMoure, ND, US, 58458 Harlan, IA, US, 51537 Mitchell, SD, US, 57301-7248 McCook, NE, US, 69001-2141 Carrington, ND, US, 58421 Oskaloosa, IA, US, 52577-3717 ONeill, NE, US, 68763 Perry, IA, US, 50220 Wahpeton, ND, US, 58075 Graceville, MN, US, 56240 Marshfield, WI, US, 54449 Huron, SD, US, 57350 Grafton, ND, US, 58237-2225
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 Summary
*Incumbent must work a percentage of time each week in one of our offices.*
We are looking for a Credit Analyst to join our team. As a Credit Analyst you will underwrite loans for farmers, ranchers, and 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.
- 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, performance reconciliations, credit bureau reports, and commodity brokerage statements.
- Conduct a differential level of analysis appropriate for the risk presented by the type and size of loan request. Will utilize a variety of financials, and differential analysis techniques including market based and GAAP quality financials.
- 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.
- 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 (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.
Education Requirements
- Bachelors Degree Preferred in Business Administration, Economics, Finance or other related degree.
Years of Experience
- 2+ years of experience in Lending/Credit Analysis.
About Us:
AgCountry has 45 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin, FCSAmerica is based in Omaha, NE and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of today’s agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education.
AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.
Nearest Major Market: Fargo