Credit Analyst

3 weeks ago

Louisville, United States Hiring Now! Full time

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work We have been named as a Best Places to Work in Kentucky for the past 12 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

SCHEDULE: Full Time
TRAVEL REQUIRED: 0% - 10%

COMPENSATION: $46,837.00 to $95,645.00 base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

About Our Opportunity

The Credit Analyst serves the Association's internal and external customers by preparing and analyzing financial loan packages for system and manual underwriting decisions in a timely manner that meets or exceeds customer expectations. Credit Analysts construct value-added credit analyses for all levels and types of operations.

How You Will Spend Your Time

  • Enable effective communication with customers by working in conjunction with sales and credit partners to convey and support financial analysis.
  • Partner with sales team members to gain clarity around customer financials and/or operational changes that could impact financial analysis.
  • Confirm, assemble, and build financial analyses utilizing balance sheets, tax returns, income statements, and cash flow statements into the Association's portfolio management database for Retail Ag customers.
  • Provide financial analysis support for Credit Officers, Retail, Rural 1st, Special Accounts, or Agribusiness teams. Analyze, service, and monitor loans of varying risk and complexity, including larger loan amounts that may be more complex and/or have higher risk exposure.
  • Use critical thinking and research to make financial adjustments such as adding projections for complex and/or high-risk operations, evaluating financial trends, and applying applicable industry knowledge within loan analysis.
  • Utilize independent decision-making to grant exceptions to processing procedures.
  • Analyze credit packages to ensure an accurate representation of customer's financial position. Additional calculations may be necessary to support analysis of borrowers with multiple entities, and/or other unique characteristics.
  • In some instances, Credit Analysts may approve loans within delegated authority or recommend approval of sound decisions involving loan structure, terms, and conditions.
  • Build expertise in the areas of agriculture, credit, finance, technology, and other needs of the marketplace.


Minimum Education & Experience

High School diploma plus a combination of related experience or specialized training. Demonstrated ability to understand business technology and apply it efficiently and effectively. Experience with balance sheets, income information and trend analysis.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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Nearest Major Market: Louisville

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