Credit Analyst - Frederick, United States - Farm Credit Network

Farm Credit Network

Verified Company

Frederick, United States

2 weeks ago

Posted by:

Mark Lane

beBee recruiter

Description

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance?

This position will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies.

Accurately and efficiently analyzes and underwrites loans in a sound manner to prospective and existing borrowers. Works closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develops relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Provides training and guidance to less tenured staff.

Areas of Responsibility Include but not limited to:
Based on Size, Scope, and Risk in the overall credit facility; complete the following:

Analyze financial information
accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation.
Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation.
Actively collaborate with Relationship Managers to finalize credit recommendations.
Obtain necessary delegated authority for loan approvals.
Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions.
Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations.
Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other ongoing conditions of the loan approval.
Participate in continued education of agricultural industry trends/news.
Participates in association initiatives and engages regularly with crossfunctional teams.
Other projects and/or research as assigned.

REQUIREMENTS:

Bachelor's degree in Business Administration, Agriculture, Economics, or Finance.
Two plus years of agricultural or commercial credit analysis/underwriting experience required.
Must possess sound credit judgement and differential credit skills to complete accurate and timely credit package.
Ability to effectively communicate (verbal and written) with a large, geographically diverse team of coworker's.
Strong analytical and computer skills.
Adaptable and flexible to a changing work environment.
Prolonged periods of sitting at a desk and working on a computer.

Who are we?

Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team.

As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities.

What can we offer you?

We offer competitive compensation and benefits packages for full-time employees including: