Credit Operations Analyst

Frontier Farm Credit; Omaha, Northern (NE, KY); Hybrid; USD 54,000 - 87,000; Full time

Benefits offered by this job

401(k) retirement plan

Paid time off

Life and disability insurance

Employee Assistance Program (EAP)

Wellness programs

Tuition assistance

Short-term incentive pay

Job summary

AgCountry Farm Credit Services, AgCountry, FCSAmerica and Frontier Farm Credit are cooperatives offering credit services to rural communities. The Credit Operations Analyst will learn and develop skills in credit analysis, underwriting, and related areas, with opportunities to advance into Underwriting or Agribusiness Credit.

The role emphasizes data input, collateral calculation, loan risk rating, and collaboration with Credit Analysts to ensure high-quality financials and responsive customer

Qualifications

• 2+ years’ relevant experience in loan processing.
• General knowledge of credit policies, procedures, standards, credit extension and underwriting processes.
• Basic knowledge of financial principles and their application to credit delivery

Responsibilities

• Confirm, assemble, and input financial data into the portfolio management database for complex and/or high-risk operations.
• Calculate collateral, complete after-close balance sheets, and complete the loan risk rating process.
• Analyze financials to determine if computed trend compares to industry standards.
• Work with Credit Analyst to ensure high quality financials are prepared for the customer.
• Provide exceptional customer service and collaboration to internal and external customers.
• Proactively communicate with teammates on needs for missing or inconclusive information on loan requests.

Skills

Financial data input

Financial analysis

Credit policies knowledge

Customer service

Education

Bachelor's degree in Agricultural Business or related field

Tools

Portfolio management database

Job description

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Omaha, NE, US, 68137-2210 Fargo, ND, US, 58108

Salary Range: $53,520-$86,790

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica)and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services. Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

Job Summary

The Credit Operations Analyst will have the ability to learn and develop skills in this job that could lead to careers in Underwriting, AgDirect, or Agribusiness Credit. The ideal candidate for this job is a person who has general finance or credit skills, is a self-starter, has a mind for differential analysis, and has a desire to conduct in-depth analysis on credit applications.

• Confirm, assemble, and input financial data including balance sheets, tax returns, income statements, projected income statements, and cash flow statements into Farm Credit Services of America’s portfolio management database for complex and/or high-risk operations where interpretation of data, recommended direction, independent decision-making, and any necessary research would be required.
• Calculate collateral, complete after-close balance sheets, and complete the loan risk rating process.
• Analyze financials to determine if computed trend compares to industry standards.
• Work with Credit Analyst to ensure high quality financials are prepared for the customer in accordance with service standards.
• Quality and production expectations are at the team’s highest level.
• Provide exceptional customer service and collaboration to internal and external customers.
• Actively respond to inquiries from teammates regarding the financial input status of loans.
• Proactively communicate with teammates on any needs for missing and/or inconclusive information on loan requests.
• Respond to inquiries for which answers involve complex decision-making and understanding of loan products.
• Develop and maintain strong working relationships with teammates, by providing a consistent level of quality and professional service that is timely, thorough, and responsive to the needs of the customer.
• This includes face-to-face interactions, telephone communications, written correspondence, and electronic communication.
• Take ownership of potential problems until resolved to the customer’s satisfaction, which may include involving other team members.

Education Requirements

• Bachelors degree in Agricultural Business, Business Administration, Finance, Accounting preferred.

Years of Experience

2+ years’ relevant experience in loan processing.

A general working knowledge of credit policies, procedures, standards, credit extension and underwriting processes.

Basic knowledge of financial principles and their application to credit delivery

Why Us:

For qualifying positions, we provide a competitive benefits package designed to support health and well-being, financial security, and work-life balance:

• Retirement Plans: 401(k)
• Paid Time Off: Vacation, sick leave, paid holidays, and parental leave
• Additional Benefits: Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and short-term incentive pay

About Us:

AgCountry has 43 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin. FCSAmerica is based in Omaha, NE and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of today’s agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education. AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.