Agricultural Credit Analyst

2 days ago

Sacramento, California, United States River City Bank Full time
Agricultural Commercial Credit Analyst

River City Bank is seeking a highly skilled Agricultural Commercial Credit Analyst to join our team. As a key member of our credit analysis team, you will be responsible for analyzing borrower financial information, conducting ongoing financial analysis and credit monitoring on transactions within our agricultural loan portfolio, and preparing formal written loan presentations for approval by Credit Management.

Key Responsibilities:
  • Analyze and articulate transaction risk and recommend loans for approval.
  • Analyze borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
  • Identify and summarize risks related to third-party reports and collateral valuations.
  • Prepare timely and concise formal written credit authorization with little supervision, ensuring complete and accurate information.
  • Analyze industry and commodity trends.
  • Monitor borrower financial performance in line with commercial loan documents; spread financial statements ensuring resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation.
  • Maintain close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.
  • Serve as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.
  • Support Community Reinvestment Act (CRA) through business development efforts. Actively participate in community organizations.
  • Maintain a current knowledge of bank regulations. Ensure compliance with all Federal, State, and Bank policies, procedures, and regulations.
Requirements:
  • Bachelor's degree from an accredited college.
  • Minimum three years of experience in credit analysis within a banking/lending environment.
  • Knowledge of accounting, financial statement, and cash flow analysis.
  • Excellent written and verbal communication, presentation, and interpersonal skills.
  • Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions.
  • Excellent attention to detail.
  • Strong analytical and problem-solving skills.
  • Ability to consistently interact with clients under varying circumstances, while maintaining a professional demeanor.
  • Effectively communicate with clients over the phone and in person.
  • Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment.

River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status, or any other consideration made unlawful by federal, state, or local laws.

Note: River City Bank does not sponsor applicants for work visas.

Salary Description: $85,000 - $130,000/year

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