Analyst lI, Credit Analysis (Agribusiness)

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

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 risksPerform 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.The Ideal Candidate for This Role:QUALIFICATIONS and REQUIREMENTS:Education and/or ExperienceRequired:Bachelor’s degree in Accounting, Finance, Economics, Agribusiness, or related field or equivalent work experienceStrong understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysisAbility to adapt and manage multiple deadlines is required1-3 years experience in credit analysisAg experience is requiredOther Knowledge and SkillsStrong analytical skills and critical thinking skillsDemonstrate accuracy and thoroughness and monitor own work to ensure qualityManage competing demands in a changing environment while working independently most of the timeCandidates must possess unrestricted work authorization and not require future sponsorship.Compensation:Compensation range (base pay): $63,288.00-$104,425.00This 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.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 Insurance401k, With Matching ContributionsTime Off ProgramsHealth Savings Account (HSA)/Dependent CareEmployee BankingGrowth OpportunitiesTuition AssistanceShort-Term/Long-Term Disability InsuranceLearn 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-20261386Equal 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 PosterClick here to download 'EEO is The Law' Supplement for Federal ContractorsClick here to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO 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.