Analyst II, Credit Analysis

FNBO; Omaha (NE); Hybrid; USD 62,000 - 103,000; Full time

Job summary

FNBO is seeking an Analyst II for Credit Analysis to conduct independent credit analyses on Agribusiness loans. This position requires a strong background in financial analysis, including the ability to prepare detailed loan presentation packets and conduct extensive evaluations of creditworthiness. The ideal candidate will thrive in a flexible work environment and foster exceptional customer relationships.

Benefits

Medical, Dental, Vision Insurance

401k with Matching Contributions

Tuition Assistance

Qualifications

• Bachelor’s degree or equivalent work experience required.
• Strong understanding of financial statements and lending policies.
• Ag experience is required.

Responsibilities

• Conduct independent credit analysis of Agribusiness loan requests.
• Prepare loan memorandums and risk rating matrices.
• Perform collateral and guarantor analysis.

Skills

Analytical skills

Critical thinking

Financial analysis

Education

Bachelor’s degree in Accounting, Finance, Economics, Agribusiness

Tools

Microsoft Office Applications

Job description

Join to apply for the Analyst II, Credit Analysis role at FNBO

Join to apply for the Analyst II, Credit Analysis role at FNBO

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Our Modern, Flexible Workplace

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you!

It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.

Summary Of The Job

The Agribusiness Credit Analyst II is responsible for performing independent credit analysis of Agribusiness loan requests. This analyst must perform complex financial analysis and evaluation of credit worthiness; Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis; Develop and maintain a thorough understanding of loan products and procedures; Develop and maintain strong industry knowledge; and Interact with and provide an exceptional customer experience to internal and external customers.

About This Role

ESSENTIAL DUTIES/RESPONSIBILITIES:

Conduct complete credit underwriting including:

• Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Spread and analyze financial information (e.g. CPA prepared statements, tax returns, internal financial statements, etc.) for borrowers, guarantors and related entities.
• Conduct the appropriate level of guarantor analysis to include: credit bureau reports, personal financial statements and tax returns. Spread and analyze personal guarantor cash flow and provide global cash flow analysis inclusive of all known contingent liabilities.
• Perform collateral analysis including margin/loan-to-value calculation.
• Determine the appropriate risk rating for credits using the FNNI risk rating matrix and appropriate verbiage to support the assigned rating.
• Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
• Research credit requests including related commitments, background on borrowing entities, analyze industry risks
• Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
• Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).
• Demonstrate the ability to discuss credits in-depth with Relationship Managers and Credit Approvers and/or SMEs’ and make the appropriate recommendations based on risk of borrower.
• Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program. Complete all assigned compliance training and adhere to internal procedures and controls, as required. Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity.
• Provide exceptional customer service to staff, internal customers, and other related parties in support of the credit process.
• Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance in alignment with departmental/divisional policy.
• Maintain complete and accurate file documentation.
  
  

QUALIFICATIONS And REQUIREMENTS

The Ideal Candidate for This Role:

Required

Education and/or Experience

• Bachelor’s degree in Accounting, Finance, Economics, Agribusiness, or related field or equivalent work experience
• Strong understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis
• Ability to adapt and manage multiple deadlines is required
• Ag experience is required
  
  

Other Knowledge And Skills

• Strong analytical skills and critical thinking skills
• Demonstrate accuracy and thoroughness and monitor own work to ensure quality
• Manage competing demands in a changing environment while working independently most of the time
• Follow instructions, respond to management direction, and solicit feedback to improve performance
• Proficient in PC operation and demonstrated understanding of Microsoft Office Applications and Outlook
  
  

Compensation

Compensation range (base pay): $62,047.00-$102,377.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Benefits Overview

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health Savings Account (HSA)/Dependent Care
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance
  
  

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

For additional information regarding compensation and benefits, e-mail FNBO at [e-mail]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20250675

Equal Opportunity & Belonging

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

Click here to download 'EEO is The Law' GINA Supplement

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

Referrals increase your chances of interviewing at FNBO by 2x

Get notified about new Credit Analyst jobs in Omaha Metropolitan Area.

Financial Billing Analyst II **Nebraska Residents Only**

Council Bluffs, IA $91,500.00-$137,500.00 10 hours ago

Sr Analyst- ABC, Ethics, & Acct Rep Risk

Omaha, NE $76,500.00-$126,500.00 1 month ago

Corporate Analyst Program - Audit (Omaha, NE)

We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.