Credit Analyst-Ag Lending Focus

7 days ago

Mount Vernon, United States GPAC Full time

Credit Analyst Ag Lending FocusA relationship-centered financial institution in Southern Illinois is looking to add an experienced Credit Analyst to its growing credit team. This role is ideal for a motivated analyst with commercial and ag credit experience who enjoys digging into complex balance sheets and structuring smart lending solutions for community-focused borrowers.About the RoleAs part of the risk management team, you'll evaluate the financial strength of commercial, agricultural, real estate, and consumer loan applicants. While working closely with lenders and participating in credit discussions, you'll maintain independence in your analysis and play a key role in ensuring loan quality and portfolio performance.Key ResponsibilitiesUnderwrite ag, commercial, and real estate credits using tax returns, financial statements, and cash flow analysisPrepare loan write-ups that summarize risk, repayment sources, collateral values, and loan-to-value ratiosDevelop financial spreads, projections, and ratio analyses in ExcelRecommend risk ratings and identify policy exceptionsSupport loan officers in structuring and pricing credit requestsPresent and explain findings during loan committee meetings (as a non-voting member)Assist with annual portfolio reviews and audit requestsMonitor existing credit relationships and help identify emerging risk trendsServe as a resource for BSA/AML/OFAC awareness and regulatory complianceWhat You BringBachelor's degree in Finance, Accounting, Economics, Agribusiness, or related field24 years of credit analysis experience, ideally in a commercial or community bankStrong understanding of agricultural cash flow and collateral valuationProficiency in financial modeling and Excel (pivot tables, formulas, data validation)Excellent communication skills and ability to prepare clear, concise loan presentationsIndependent judgment, attention to detail, and ability to manage multiple prioritiesFamiliarity with loan policy, loan operations, and credit risk managementWhy This RoleFocus on ag lending within a stable, community-rooted institution. Direct collaboration with senior credit and lending leaders. Flexibility for hybrid scheduling based on experience and performance. Growth path into senior analyst or portfolio/loan officer roles.Compensation & BenefitsCompetitive base salary with full benefits package, commensurate with experience.Schedule & Work EnvironmentMonday through Friday, standard business hours. On-site role with potential hybrid flexibility depending on candidate fit.All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.

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