Credit Analyst III - Ag

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

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.

The Credit Analyst III is responsible for independently evaluating and underwriting complex Agri Business commercial credits including Commercial Real Estate (CRE), Commercial and Industrial (C&I), Hospitality, Municipalities and a variety of other commercial credit types. This role involves gathering, analyzing, and interpreting personal and business financial statements, projections, and internal/external reports to assess creditworthiness, repayment capacity, and compliance with bank policies and federal regulations.

Working in an independent capacity, this position partners closely with Commercial Relationship Managers to support new and existing loan relationships, emphasizing credit quality, risk mitigation, and portfolio performance. The Credit Analyst III exercises discretion and independent judgement with respect to evaluating credit risk, determining appropriate risk ratings, recommending credit structures, identifying policy exceptions, and advising management on credit-related business decisions.

The role will also assist with the training, mentoring, and work review of Credit Analysts I and II.

• Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
• Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
• Independently analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
• Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.
• Exercises discretion and independent judgement in identifying, evaluating, and mitigating credit risk.
• Determines appropriate risk ratings and develops recommendations regarding credit approval, modification, renewal, or denial.
• Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting and evaluation of commercial requests for streamlined to complex requests with limited guidance from immediate manager.
• Performs special projects related to credit administration, portfolio management, and regulatory compliance.
• Ensures compliance to applicable regulations and keeps up to date with changes in federal regulations and FIB credit policy requirements.
• Serves as an Anchor Analyst in the bank's mentorship program, mentoring and developing junior analysts, sharing specialized credit expertise, and influencing underwriting quality and…