Credit Analyst Manager - Ag

First Interstate Bank; Lincoln (NE); On-site; USD 83,000 - 137,000; Full time

Benefits offered by this job

PTO + federal holidays

Student debt employer repayment

401(k) retirement plan with 6% match

Community-focused company culture

Job summary

First Interstate Bank seeks an Ag Credit Analyst Manager to supervise and mentor a team of credit analysts, directing workflow, and ensuring high-quality credit analysis. You will review financial statements, tax returns, and credit reports to support loan decisions and policy adherence.

Ideal candidates hold a Bachelor's in Business/Finance with 10+ years of banking and prior supervisory experience; compensation ranges from $83,000 to $137,000 with discretionary bonuses and a broad benefits

Qualifications

• Bachelor's degree in business, finance, or related field required.
• 10+ years banking experience and/or equivalent combination required.
• Supervisory/management experience is required.

Responsibilities

• Reads and analyzes financial statements and tax returns.
• Underwrites complex borrower relationships with accuracy.
• Maintains understanding of First Interstate Bank loan policy.
• Provides training and mentorship to credit analysts.
• Performs portfolio management and loan reviews.

Skills

Financial statement analysis

Underwriting

Loan policy knowledge

Team leadership

Communicate with loan officers

Education

Bachelor's Degree in Business/Finance

10+ years banking experience

Supervisory/management experience

Job description

This position may be located in Omaha, NE; Lincoln, NE; Boulder, CO; Fort Collins, CO; Greeley, CO; Des Moines, IA; Rapid City, SD; or Sioux Falls, SD.

What's Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

#TeamFirstInterstate.

SUMMARY

The Ag Credit Analyst Manager supervises and mentors a group of credit analysts. This position is responsible for administering the flow of work to and from credit analysts, monitoring the quality of work being produced, and aids in the hiring and training of credit analysts.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Reads and understands financial statements.
• Reviews pertinent credit and financial information including financial statements, tax returns, credit bureau reports, bank reports, and other company reports.
• Inputs financial data on PC-Based software to generate financial spreadsheet.
• Analyzes findings and prepares in written report.
• Identifies trends and determines key questions.
• Reviews irregular financial information with loan officers.
• Maintains a strong understanding of First Interstate Bank Loan Policy.
• Underwrites complicated borrower relationships of all sizes with accuracy.
• Completes annual term loan reviews, problem loan status reports, and loan approval forms.
• Compiles various reports as requested.
• Communicates with loan officers and other credit analysts.
• Assists in the implementation and training of new software products for commercial loan analysis and the commercial lending function.
• Acts as a resource to loan officers for loan structures and underwriting recommendations.
• Performs portfolio management.

MANAGEMENT RESPONSIBILITIES

• Oversees the day-to-day management of analysts.
• Provides relevant and ongoing training to team of analysts.
• Develops a team of credit analysts.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents.
• Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community.
• Ability to write speeches and articles for publication that conform to prescribed style and format.
• Ability to effectively present information to top management, public groups, and/or boards of directors.
• Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

EDUCATION AND/OR EXPERIENCE

• Bachelor's Degree in Business, Finance, or related field required or
• 10+ years years of banking experience and/or equivalent combination of education and experience required or
• 10+ years experience in a similar position required
• Supervisory and/or management experience required
• Commercial banking experience preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT

The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
• Sitting - Frequently
• Standing - Occasionally
• Noise Level - Moderate
• Typical Work hours - M-F (8-5)
• Regular and Predictable Attendance - Required

COMPENSATION & BENEFITS

We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $83,000 to $137,000 per year in CO and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash and stock bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. Please note this information is provided for those hired in Colorado and this role is open to candidates outside of Colorado with compensation that aligns with your location. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php