Agribusiness Credit Analyst II – Underwriting

Fnbo---First-National-Bank-of-Omaha-1; Omaha (NE); Hybrid; USD 63,000 - 104,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) with matching contributions

Time off programs

HSA/FSA

Job summary

FNBO is seeking an Agribusiness Credit Analyst II to perform independent credit analysis for agribusiness loan requests. You will underwrite, prepare loan memos, analyze cash flow and collateral, and assign risk ratings while maintaining industry knowledge and delivering exceptional customer service.

The role requires a bachelor’s degree in accounting/finance or related field with 1–3 years of credit analysis experience, and it is structured for a hybrid work arrangement in a banking environment.

Qualifications

• Strong understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis.
• Ability to adapt and manage multiple deadlines in a dynamic environment.
• 1-3 years experience in credit analysis.
• AG experience is required or preferred.

Responsibilities

• Conduct complete credit underwriting including independent preparation of loan memos for new credit requests, renewals and annual reviews.
• Spread and analyze financial information (CPA statements, tax returns, internal statements) for borrowers and guarantors.
• Perform guarantor analysis including credit bureau reports and personal financial statements.
• Perform collateral analysis and determine risk rating using the bank's matrix.
• Ensure compliance with loan policy and BSA/AML requirements and complete compliance training.

Education

Bachelor’s degree in Accounting, Finance, Economics, Agribusiness, or related field

Job description

FNBO is seeking an Agribusiness Credit Analyst II to perform independent credit analysis for agribusiness loan requests. You will underwrite, prepare loan memos, analyze cash flow and collateral, and assign risk ratings while maintaining industry knowledge and delivering exceptional customer service.

The role requires a bachelor’s degree in accounting/finance or related field with 1–3 years of credit analysis experience, and it is structured for a hybrid work arrangement in a banking environment.