Careerlink Sign up menu
close

Retail Credit Underwriting Credit Analyst

Frontier Farm Credit locationOmaha, NE
Save
22 positions
Apply

Web Mktg Technology Specialist

Frontier Farm Credit locationOmaha, NE
22 positions
info linkReport a probelm Originally Posted : November 20, 2020 | Expires : December 20, 2020

Details

Salary
Unspecified
Apply Now
Job Location
Omaha, NE, United States

Description

Farm Credit Services of America (FCSAmerica) is seeking a Credit Analyst to join our Retail Credit Underwriting (RCU) team. As a Credit Analyst (RCU), you will work primarily with loans originated through the Retail Delivery Channel for Farm Credit Services of America and Frontier Farm Credit. These loans focus mainly on farmer, rancher, and investor loans, but may also extend to farm related businesses. Credit Analysts work in a team environment to jointly serve the needs of our customers through consensus decision-making with retail Financial Officers. Duties may extend to providing back up and support to the AgDirect or AgriBusiness Capital Underwriting Teams. 

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 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.
  • 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.).
  • Perform other credit-related functions needed to properly service the loan portfolio. 

Various Duties per Level

  • Level 20: Demonstrates basic credit analysis applying score card driven or differential analysis as appropriate, primarily utilizing market-based quality financials. Basic knowledge of a variety of agricultural industries. Primarily work on transactional or less complex production credits, working independently within modest delegated authority. Provide limited guidance on loan structure options.
  • Level 22: Demonstrates sound credit analysis utilizing a variety of financials, and differential analysis techniques including but not limited to market based and GAAP quality financials. Strong knowledge of primary industries served by the Associations. Will work independently on loans of moderate size and complexity as well as larger and more complex credits with the assistance of others. May be responsible for the ongoing monitoring and performance of an assigned loan portfolio. Loan approvals negotiated through moderate individual delegated authority or via approval by Loan Committee. Provides guidance on loan structure options.
  • Level 23: Demonstrates proven expertise in credit analysis utilizing a variety of financials, and differential analysis techniques including market based and GAAP quality financials. Strong knowledge of multiple agricultural industries. Will work independently on loans of moderate size and complexity as well as larger and more complex credits. May be familiar with terms and conditions associated with multi-party lending relationships. Some responsibility for the ongoing monitoring and performance of an assigned loan portfolio. Loan approvals negotiated through sizable individual delegated authority or via approval by Loan Committee. Provides significant guidance on loan structure options. May participate in customer facing discussions.
  • Level 24 : Demonstrates proven expertise in credit analysis utilizing a variety of financials and more complex analysis techniques including market based and GAAP quality financials. Strong knowledge of multiple agricultural industries. Will work independently on loans of moderate size and complexity as well as larger and more complex credits. Will be responsible for the ongoing monitoring and performance of an assigned loan portfolio. Loan approvals negotiated through significant individual delegated authority or via approval by Loan Committee. Provides significant guidance on loan structure options. Familiar with terms and conditions associated with multi-party lending relationships. Routinely participates in customer facing discussions and negotiations. Provide support and delegated authority to less tenured team members. 

Minimum Qualifications: 

  • 4 Year / Bachelor’s Degree in business administration, finance, related degree, or comparable experience in a related field required 
  • Minimum 2 years' experience relating to lending/credit analysis
  • Ability to locate and interpret Farm Credit Administration (FCA) regulations and district and Association policies, procedures, standards, and expectations.
  • Solid understanding of credit management techniques, credit administration, and loan servicing.
  • Ability to study and retain information about agriculture industries.
  • Ability to communicate understanding of the industry and the Associations’ policies and positions to internal and external contacts. 

Our Benefits  

  • 18 vacation days and 15 sick leave days begin accruing the day you start  
  • paid holidays  
  • Quality health, dental, vision insurance with competitive monthly premiums  
  • 6 weeks paid parental leave  
  • All employees eligible for market competitive annual incentive program  
  • 401k potential for 9% employer contribution on day one 
  • Charitable giving donation match up to $250/year 
  • Tuition reimbursement and education assistance programs 
  • Health and wellness reimbursements   

Who is Farm Credit Services of America  

FCSAmerica is a leading provider of credit and crop insurance to farmers and ranchers in Iowa, Nebraska, South Dakota and Wyoming. It takes a lot of expertise to meet the needs of today’s agricultural industry, and our 1,700 employees provide that in areas of lending, risk management, technology, marketing, customer and employee education.   

We are headquartered in Omaha, Nebraska, and support our customers and their rural communities from 43 local offices across our four-state territory. We take pride in serving every aspect of agriculture, from the young and beginning producer to some of the nation’s largest and most complex agribusinesses. The satisfaction that comes with serving an industry vital to all our lives shows in teammate surveys. FCSAmerica regularly is voted a top place to work.  

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. 

Similar Jobs

icon
01 December ( Today )

Sales Director (Rocky Mountain Division Office)

icon
01 December ( Today )

Supervisor, Direct Sales Center (Evening Shift) - Omaha, Ne

icon
01 December ( Today )

SEO and Web Analytics Manager - Omaha, NE