Ag Credit Analyst Ii

Position Summary:

The Ag Credit Analist II is responsible for evaluating risk arising from specific loan requests and/or complex credit relationships within the agricultural industry. Determine the necessary information required to analyze and identify risks, gather relevant industry and environmental information, conduct site inspection upon request, and discuss issues with loan officers and senior management to evaluate the level of risk. Demonstrate ability to draw on agricultural credit experience and well-developed analysis skills to quantify the level of credit risk and make independent recommendations that mitigate risks consistent with loan policy and guidelines. Address appropriate credit structure and credit monitoring requirements. Prepare findings and recommendations into written reports for the appropriate loan approval authority. Prepare presentations for loan committee, senior management, and various other committees. Communicate well; own expectations and consequences.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who we are:

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 135 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

What will you do:

Accountabilities

Underwriting

• Underwrite Bank documents, applications, and requests in a manner consistent with regulatory and Bank policies.
• Apply our processes and policies to credit requests.
• Analyze credit information and apply analysis techniques utilizing financial ratios and stress testing to evaluate the creditworthiness of a borrower.
• Prepare reports that detail the risks and strengths that will impact a financial decision.

Ag Portfolio Analysis

• Responsible for conducting analysis of Ag Portfolios. Follow up by providing findings and/or recommendations.
• Research and compare internal portfolio metrics to industry standards.
• Analyze broad agricultural trends and potential impacts to credit quality.

Partner with Others

• Partner with others to ensure team goals are met.
• Assist with special projects as assigned and needed by the department.
• Maintain tracking for borrowing case covenants.
• Maintain inspection credit report.
• Conduct loan coding review.
• Assist with RE projects.

Qualifications

Secondary education in related field preferred. Three or more years of relevant work experience or a combination of education/experience that would enable incumbent to meet accountabilities and required competencies of the position. Experience with banking or credit analysis preferred.

Skills and Abilities

• Ability to work independently with little supervision. Self-motivated.
• Excellent verbal and written communication skills.
• Demonstrate strong critical thinking skills, including strategic thinking and effective analysis of data.
• Excellent organizational skills and attention to detail. High degree of accuracy required.
• Ability to manage multiple competing priorities.
• Ability to adapt to the needs of the organization and teammates.
• Collaboration and consultation with teams and individuals across the bank.

What’s in it for you?

• Health Insurance
• Dental & Vision Insurance
• Profit Sharing
• Paid Vacation & Holidays
• Company paid short and long term disability
• Tuition Reimbursement Program
• Employee Banking Perks
• Community Volunteer time
• And More!

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