Analyst lI, Credit Analysis (Agribusiness)

FNBO; Omaha (NE); Hybrid; USD 63,000 - 104,000; Full time

Job summary

FNBO in Omaha, NE is seeking an Agribusiness Credit Analyst II to perform independent credit analysis of loan requests, prepare memos, and evaluate risk and collateral. You will spread and analyze financial information, Interact with Relationship Managers, and provide informed recommendations in a team environment.

The role requires 1-3 years of credit analysis experience, agribusiness knowledge, and a strong understanding of financial statements; work is conducted in a hybrid setting with a mix

Qualifications

• Bachelor’s degree or equivalent work experience in a relevant field.
• Strong understanding of financial statements and collateral analysis.
• Ability to manage multiple deadlines.
• 1-3 years experience in credit analysis.
• Agribusiness experience required.

Responsibilities

• Prepare loan presentations (credit memos) for new credits, renewals, and annual reviews.
• Spread and analyze financial information (CPA statements, tax returns, internal statements).
• Conduct guarantor analysis including credit reports and cash flow analysis.
• Perform collateral analysis including margin and loan-to-value calculations.
• Assign risk rating using the bank's rating matrix and supporting rationale.
• Process requests timely to meet service levels and compliance.
• Research credit requests and analyze industry risks and borrower background.
• Run sensitivity analyses on industry and economic variables.
• Demonstrate knowledge of FNNI systems (ncino, Foundation).
• Discuss credits with Relationship Managers and Credit Approvers to make recommendations.
• Ensure compliance with loan policy and internal controls; complete required training.
• Provide exceptional service to staff and external customers involved in the credit process.
• Maintain professional behavior and accurate file documentation.

Skills

Credit analysis

Analytical thinking

Attention to detail

Education

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

Equivalent work experience

Job description

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.

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, 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
• 1-3 years experience in credit analysis
• 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

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation

Compensation range (base pay): $63,288.00-$104,425.00

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

Work Environment

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

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-20261386

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.

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.