Corporate Credit Analyst

Agsouth Farm Credit

Full-time - Mid Level

Credit Intermediation and Related Activities

About the position

We are seeking a Corporate Credit Analyst to join our Farm Credit family! This position serves current and prospective customers with sound agricultural credit according to Association policies and procedures. The Corporate Credit Analyst develops and analyzes all types of credit information for use by loan officers and loan committees in making lending decisions. They prepare complete loan packages independently for mid-size to large loans. They determine if the financial profile of the borrower meets underwriting standards. The Corporate Credit Analyst will collaborate with assigned loan officers to provide complete and accurate analysis of the financial position on existing and prospective borrowers to ensure proper loan decisions are made and that risk is continuously evaluated and properly assessed in the portfolio. This role also involves credit administration, where the analyst will work with loan officers to complete all loan servicing requirements on assigned accounts in accordance with loan service plans and financial information submission requirements. Additionally, the analyst will contribute to sales and marketing efforts by supporting the team's average loan volume, fees, and referral goals, while representing and promoting the Association at agricultural organization meetings and events.

Responsibilities

• Collaborate with assigned loan officers to provide complete and accurate analysis of financial position on existing and prospective borrowers.
• Ensure proper loan decisions are made and that risk is continuously evaluated and properly assessed in the portfolio.
• Complete all loan servicing requirements on assigned accounts in accordance with loan service plan and financial information submission requirements.
• Collaborate with assigned loan officers on administrative and servicing actions including extensions, waivers, amendments, conversions, partial releases, etc.
• Maintain acceptable credit administration rating on assigned portfolio.
• Contribute and support the team's average loan volume, fees, and Home Lending and Financially Related Services referral goals being achieved.
• Represent and promote the Association at agricultural organization meetings and events to promote AgSouth's products and services.
• Accompany loan officers on customer calls and interviews.

Requirements

• Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture Economics, Finance or Accounting
• 5-10 years related work experience preferred
• Ability to communicate effectively with all levels of the organization
• Excellent computer skills
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
• Focus on problem solving skills with solutions-driven results
• Ability to work independently under established policy guidelines and limited supervisory review
• Current awareness of economic developments and production technology affecting agriculture in the region
• Ability to use creative insights in interpreting financial information and assessing appropriateness of projections

Benefits

• Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering
• Corporate incentive plan with spot bonuses for top-notch work
• Medical, dental and vision insurance, as well as life and disability insurance
• Flexible spending and health savings accounts
• Generous 401(k) matching contributions, as well as additional employer contributions
• Reimbursement for approved higher education pursuits
• A wellness program for employees, which includes resources for a healthier lifestyle
• Corporate learning programs for professional development
• Other perks, such as employee discounts on select cell phone providers, computers, etc.