Credit Analyst

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 on-going conditions of the loan approval.
- Participate in continued education of agricultural industry trends/news.
- Participates in association initiatives and engages regularly with cross-functional 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 co-worker’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:

- Medical insurance with dental and vision care options
- 401 (k) with significant employer matching
- Paid time off, holidays and volunteer time to support work/life balance
- Tuition reimbursement and training opportunities
- Student loan reimbursement
- Leadership and career development opportunities
- Paid parental leave and short term disability
- Fun and inclusive work environment

Salary Range: $49,200 - $75,400, depending on previous experience.
- Equal Opportunity Employer including veterans and individuals with disabilities._