Credit Analyst
Omaha, NE, US, 68137-2210 Jamestown, ND, US, 58401 Minot, ND, US, 58702 Morris, MN, US, 56267 Webster City, IA, US, 50595 Valley City, ND, US, 58072 Kearney, NE, US, 68847 Roseau, MN, US, 56751 Thorp, WI, US, 54771 Madison, MN, US, 56256 Grand Forks, ND, US, 58208-3570 Sheldon, IA, US, 51201 Parsons, KS, US, 67357-8110 Wausau, WI, US, 54402 Olivia, MN, US, 56277 Marshalltown, IA, US, 50158 Marshfield, WI, US, 54449 Oskaloosa, IA, US, 52577-3717 Fergus Falls, MN, US, 56537 Sioux Falls, SD, US, 57108 LaMoure, ND, US, 58458 Mason City, IA, US, 50401 Red Oak, IA, US, 51566-1284 Bottineau, ND, US, 58318 Elbow Lake, MN, US, 56531 Norfolk, NE, US, 68701 Carrington, ND, US, 58421 Grafton, ND, US, 58237-2225 Sioux City, IA, US, 51106 Alexandria, MN, US, 56308 Lincoln, NE, US, 68521 Langdon, ND, US, 58249 Minot, ND, US, 58701 Devils Lake, ND, US, 58301 Marshall, MN, US, 56258 Mitchell, SD, US, 57301-7248 Manhattan, KS, US, 66503-0368 Crosby, ND, US, 58730 Warren, MN, US, 56762 DeWitt, IA, US, 52742 Redwood Falls, MN, US, 56283 Cavalier, ND, US, 58220 Newton, IA, US, 50208 Emporia, KS, US, 66801-7350 Manchester, IA, US, 52057-1522 North Platte, NE, US, 69101 Beatrice, NE, US, 68310 Fargo, ND, US, 58108 Fosston, MN, US, 56542 Scottsbluff, NE, US, 69361 Willmar, MN, US, 56201 Casper, WY, US, 82601 ONeill, NE, US, 68763 Cedar Falls, IA, US, 50613-0396 Storm Lake, IA, US, 50588 Hiawatha, IA, US, 52233 Wahpeton, ND, US, 58075 Minneapolis, MN, US, 55426 Rugby, ND, US, 58368 Aberdeen, SD, US, 57401 Mount Pleasant, IA, US, 52641 Broken Bow, NE, US, 68822 Ada, MN, US, 56510 Williston, ND, US, 58801 Yankton, SD, US, 57078 Mobridge, SD, US, 57601 Bowbells, ND, US, 58721 Emmetsburg, IA, US, 50536 Carroll, IA, US, 51401 Rapid City, SD, US, 57702 Hallock, MN, US, 56728 Pierre, SD, US, 57501 Imperial, NE, US, 69033 Stevens Point, WI, US, 54482 Hillsboro, ND, US, 58045 Harlan, IA, US, 51537 Decorah, IA, US, 52101 Marysville, KS, US, 66508-0349 Graceville, MN, US, 56240 Alliance, NE, US, 69301 Thief River Falls, MN, US, 56701 Litchfield, MN, US, 55355 Hiawatha, KS, US, 66434-0297 Medford, WI, US, 54451 Grand Island, NE, US, 68803 Lisbon, ND, US, 58054 Detroit Lakes, MN, US, 56501 Baldwin City, KS, US, 66006-0858 Crookston, MN, US, 56716 McCook, NE, US, 69001-2141 Huron, SD, US, 57350 Columbus, NE, US, 68601 Watertown, SD, US, 57201 Perry, IA, US, 50220
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
*Must work a percentage of time each week from 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.
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Assure adequate information is available to make the decision.
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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.
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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.
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Participate in consensus decision making on credit requests within delegated authorities or recommend actions requiring higher delegated authority.
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Establish and maintain sound credit administration. Adhere to the Associations’ credit philosophy, procedures and guidelines. Complete documentation to support decisions made.
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Establish appropriate loan terms and conditions to manage loan risk.
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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.).
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Will work independently on loans of moderate size and complexity as well as larger and more complex credits.
Education Requirements
- Bachelor's degree in Economics, Finance, or Business Administration or other related field preferred.
Years of Experience
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Experience with lending and credit analysis (2-10 years required depending on level)
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Understanding of credit management techniques, credit administration, and loan servicing.
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Knowledge of agricultural industries.
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.