Credit Analyst (DFS)

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Our Modern, Flexible Workplace:

 

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you!

It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.The Credit Analyst is responsible for the timely, accurate and consistent underwriting of requests for equipment and irrigation financing provided by business partners. The CM utilizes all tools available to proactively underwrite and decision transactions in a manner consistent with service standards and customer needs.

About This Role:

 

1.  Review credit file to ensure all required information has been obtained in order to make a timely and accurate underwriting decision. Utilize tools to promptly and accurately underwrite the credit application within stated authority levels. Ensure all underwriting decisions are soundly analyzed and appropriately documented, adhering to DFS lending policies and procedures. Properly document any exceptions to policy, obtaining appropriate approvals as necessary.
2.  Develop and maintain strong working relationships with assigned dealers and customers by providing a consistent quality level of service that is timely, thorough and responsive to the needs of the dealer/customer. Promote DFS products and services to existing and new dealers and customers, including promoting EII and DAC insurance.   Provide feedback to management regarding issues and opportunities with dealers, and regarding competitor's actions in the markets that we serve.
3.  Provide assistance to other Credit Managers within the department when workload dictates or allows for it.
4.  Solicit new direct business from existing, well qualified DFS customers.
5.  Maintain professional behavior in dealings with our funding sources.

6.  Participate in collection activities as directed, including monitoring the portfolio of loans that the Credit Analyst approved, contacting dealers regarding recourse issues or to obtain help in contacting/collecting the delinquent accounts and assisting in remarketing repossessed equipment, as time allows. Assist Customer Service with guidance on partial buyout requests.

7. The Credit Analyst will travel into their assigned territory at least two weeks per calendar year.

8.  Exhibits professional behavior, conscientious about punctuality & attendance, demonstrates strong commitment to customer service and promotes positive working relationships.

9.  Understands and adheres to all company policies, laws, and regulations applicable to the role.
 

The Ideal Candidate for This Role:

 

• Bachelor’s degree in an Agricultural or Business related field required
• Agricultural background that includes a knowledge of farm machinery and/or operations is required
• Strong communication and interpersonal skills
• Ability to multitask with high attention to detail
• Good computer skills including Excel & Word

Compensation and Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

To obtain compensation and benefit information related to this specific role, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20250048

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this,  we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact.  FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

Click here to download 'EEO is The Law' GINA Supplement

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.