Credit Analyst

About This Role

Caring for a portfolio of agricultural accounts, this Credit Analyst II role supports senior analysts and credit managers in underwriting large accounts, financial reporting, data analysis, asset discovery, and managing accounts receivable from origination through collection. The position plays a key role in evaluating customer creditworthiness and repayment capacity across a nationwide portfolio, assisting with large customer credit reviews through financial statement analysis, industry research, and business credit report evaluation. It also supports risk management efforts while ensuring compliance with company policies and applicable regulations.

Responsibilities

• Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000
• Evaluate repayment capacity and overall creditworthiness of potential and existing customers
• Analyze borrower financial statements, tax returns, balance sheets, income statements, and cash flow reports
• Conduct thorough credit reviews and provide informed underwriting recommendations
• Consolidate and analyze customer financial and tax information to draw conclusions and support credit decisions
• Run business and trade reports for potential and existing customers
• Assist with large customer credit reviews by analyzing financial statements, industry trends, and business credit reports
• Draft security agreements and UCC-1 filings and perform lien priority analysis in accordance with UCC rules
• Support collections efforts by identifying and analyzing assets tied to past-due accounts
• Assist Credit Specialists as needed
• Maintain compliance with company documentation procedures and applicable laws and regulations
• Manage multiple priorities while maintaining strong organization and analytical rigor
• Communicate regularly with Credit Managers and the Director of Credit and Financing
• Support portfolio management activities, financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection

Requirements

• 2+ years of credit analysis, underwriting, banking, commercial finance, or agricultural lending experience
• Strong financial statement and cash flow analysis skills
• Knowledge of credit underwriting and risk assessment
• Intermediate analytical skills with the ability to interpret data and make informed decisions
• Desire to learn advanced underwriting and portfolio management skills
• Knowledge of risk management practices and the ability to maintain high standards while aligning with company credit policies
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook