Credit and Finance Specialist

4 weeks ago


Sacramento, California, United States River City Bank Full time
Agricultural Finance and Credit Opportunity

We are seeking an experienced Agricultural Commercial Credit Analyst to join our team at River City Bank. The ideal candidate will have a strong background in agricultural finance and credit analysis.

This role involves analyzing borrower financial information, conducting ongoing financial analysis and credit monitoring on transactions within the Bank's agricultural loan portfolio. You will prepare formal written loan presentations for approval by Credit Management on new and existing loan transactions for mid-size to large farmers, ranchers, processors, and other agribusinesses with revenues exceeding $5 million.

  1. Reviews and analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
  2. Evaluates risks related to third-party reports and collateral valuations.
  3. Ensures timely and concise formal written credit authorization is prepared with little supervision, ensuring complete and accurate information.
  4. Collaborates with Relationship Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
  5. Maintains current knowledge of bank regulations and ensures compliance with all Federal, State, and Bank policies, procedures, and regulations.

$85,000 - $130,000/year.



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