Credit Analyst

About the role

AgWest Farm Credit is a member-owned financial cooperative serving farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners, and crop insurance customers in seven states of the Western United States. As part of the Farm Credit System, AgWest supports agriculture and rural communities.

Responsibilities

• Gather financial and business-related information from customers, prospects, and other available resources through personal interviews, phone interviews, and other information resources.
• Analyze financial statements, including opinions and notes, tax records, "in-house" prepared financial statements, and pro forma statements.
• Analyze credit and prepare analysis on small and medium-sized portfolios; submit sound credit analysis and recommendations for review.
• Comply with AgWest documentation expectations, procedures, laws, and regulations.
• Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives, and employees at the branch office or customer locations.
• Effectively participate in the Large Loan process as needed to provide high-quality products to be delivered within agreed time frames and within risk parameters acceptable to AgWest.
• Conduct farm visits, collateral inspections, and document observations.
• Complete research of agricultural and related industries and commodities to determine viability, trends, and opportunities for AgWest to strengthen its position.
• Establish rapport with and develop/maintain confidence of customers and prospective customers.
• Represent AgWest at public relations events by joining or actively supporting appropriate agricultural organizations, civic groups, or commodity groups and actively participating in sponsored events and programs.
• Accurately classify and identify appropriate charge-off reserves, cash income accounting, and allowances on assigned loans.
• Perform credit investigations on applicants including public record searches, credit bureau reports, employment and income verification, and asset and liability verification.
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• Ensure effective and accurate credit administration through coordination with relationship managers and others.
• Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry-specific customer educational events.
• Effectively work with customers and collaborate with other AgWest teams to make referrals and cross-sell products to meet customer needs.
• May serve as a trainer or mentor in the organization.
• May participate in organization-wide initiatives as requested or directed.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.

Qualifications

• Bachelor’s degree in business, accounting, economics, finance, or equivalent, or an equivalent combination of education and experience.
• One to three years' experience in an office setting; preferably in lending, accounting, finance, or a related field.
• Understanding of applicable credit laws and regulations, and bankruptcy law and collection procedures.
• Thorough knowledge of credit classifications and sound loan administration practices.
• Ability to market, sell, and effectively negotiate terms on AgWest products, including loan programs, interest rate programs, and financially related services, both verbally and in writing.
• Ability to work collaboratively with a variety of team members while managing multiple tasks or action items simultaneously.
• Ability to interpret financial data and metrics and translate them into a clear written narrative that explains the business operation, current financial position, and key events that influenced financial outcomes.
• Demonstrated interest in identifying challenges and proposing practical solutions.
• Commitment to continuous learning and professional development.

Benefits

• Medical, dental, and vision insurance.
• Basic term life and AD&D insurance (fully paid for by the company).
• Paid days off annually: 15 vacation, 15 sick, 12 holidays, and 3 volunteer.
• 401(k) plan (6% match plus 3% employer contribution).
• Employee Assistance Program.
• Wellness Program.
• Jeans are welcome at work every day at AgWest!