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

**Hybrid work - Incumbent must work three days each week in either the Omaha, NE or Fargo, ND office**

We are seeking a Commercial Financial Analyst who will primarily be responsibility for input and analysis of customer financial and covenant monitoring information to ensure accuracy and completeness of information provided. Evaluate ongoing compliance with established loan terms, covenants and conditions for loans originated and serviced including maintaining documentation within the workflow tool. Facilitate communication with team members regarding any identified non-compliance to ensure appropriate approvals, waivers and customer and lending partner notifications are provided.

Essential Duties & Responsibilities

Monitor direct, bought, and sold loans to ensure timely and accurate reporting of monthly, quarterly, and annual financial information and other required reporting in accordance with affirmative, negative, and financial covenants outlined in the credit agreement. Facilitate follow-up with customer and/or lead lender upon identification of non-receipt of financial information or other monitoring requirements per the terms of the credit agreement. Verify borrowing base reconciliations. Identify potential financial trends and communicate information accordingly.
Analyze financial information out of the appropriate system to initiate the underwriting and decisioning of individual customer requests.
Validate new and modified covenants, verifying covenants in the executed credit agreement are consistent with those in the system of record. Communicate covenant inconsistencies to the appropriate teammates and coordinate reconciliation.
In coordination with the Credit Analysts, compile individual customer level information and trends to assist in the development and presentation of customer financial analysis for internal approval and/or distribution to the applicable lending partners
Develop the communication of identified non-compliance or late reporting to teammates, borrowers, and /or lending partners, as appropriate. Develop and coordinate documented notification of waiver, non-compliance, and reservation of rights letters.
Develop the compilation of customer information to facilitate scenario analysis and benchmarking individual customer data against portfolio level information.

Education Requirements

Bachelor's Degree Minimum in Accounting, Agricultural Economics, Business, or Finance

Years of Experience

2 + years of experience in Relevant experience in accounting, banking or financial services.

Certification and Technical Requirements

Proficient in Windows environment using Microsoft Word, Excel, Powerpoint, and Microsoft Edge

About Us:

AgCountry has 45 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 todays 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.