Credit Analyst

Overview

We are seeking a detail-oriented and analytical Credit Analyst with a focus on agricultural lending. In this role, you will evaluate the creditworthiness of clients involved in the agricultural sector, assessing financial data and risk factors to support sound lending decisions. The ideal candidate will have a strong understanding of agricultural finance, excellent analytical skills, and the ability to interpret complex financial information to mitigate risk and promote sustainable lending practices.

Duties

• Conduct thorough analysis of financial statements, cash flow projections, and credit reports related to agricultural clients.
• Evaluate the creditworthiness of borrowers by assessing their financial stability, repayment capacity, and overall risk profile within the agricultural industry.
• Review loan applications and supporting documentation to ensure completeness and compliance with lending policies.
• Monitor existing loan portfolios, tracking performance and identifying potential risks or signs of financial distress among agricultural borrowers.
• Collaborate with relationship managers and other stakeholders to recommend appropriate credit limits and terms based on comprehensive risk assessments.
• Stay informed about industry trends, market conditions, and regulatory changes affecting agricultural lending practices.
• Prepare detailed credit reports and presentations for management review to facilitate informed decision-making.

Skills

• Strong knowledge of agricultural finance and lending practices specific to the agricultural sector.
• Excellent analytical skills with the ability to interpret complex financial data accurately.
• Proficiency in financial statement analysis, cash flow modeling, and risk assessment techniques.
• Effective communication skills for presenting findings clearly to stakeholders.
• Attention to detail and high level of accuracy in evaluating credit applications.
• Ability to work independently as well as collaboratively within a team environment.
• Familiarity with relevant regulations and compliance standards related to agricultural lending.

This position offers an engaging opportunity for professionals passionate about supporting the growth of the agricultural industry through responsible credit analysis.

Pay: $60,000.00 - $100,000.00 per year

Benefits:

• 401(k) 3% Match
• Health insurance
• Paid time off

Work Location: Remote