Credit Analyst, Regional Agribusiness Banking Group

CoBank offers a comprehensive benefits package designed to support employees both professionally and personally.

Benefits

• 15 days of vacation, 10 paid sick days, and 11 paid holidays
• Hybrid work model with flexible arrangements for most positions
• Medical, dental, and vision coverage
• Disability, AD&D, and life insurance
• Robust associate training and development through CoBank University
• Tuition reimbursement for higher education
• 401k plan with up to 6% matching and an additional 3% non-elective contribution, plus student loan matching
• Community impact programs: United Way Angel Day, Volunteer Day, and Associate Directed Contribution
• Associate Resource Groups fostering a culture of respect and inclusion
• GEM awards for peer recognition

Responsibilities

• Develops credit information for use by appropriate staff and committees in making decisions about credit arrangements for new, renewal, or extension loans.
• Cosponsors or approves credit requests within prescribed limits.
• Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information.
• Analyzes information statements and related material, preparing thorough, well-written, and clear credit reports.
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness.
• Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.
• Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring.
• Maintains control over current accounts, monitoring for payment progress and any developing problems.
• Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit managers.
• Assists in the preparation of internal research and analysis, provides statistical reports, and verifies information.
• Prepares and delivers presentations on topics as assigned.
• Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
• Maintains expertise in assigned industries or market sectors, keeping abreast of industry trends and competitive environment.

Requirements

• Bachelor’s Degree in business, finance, or relevant discipline
• 1 year of experience in credit/finance, preferably in banking or financial services industry
• Basic knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
• Intermediate knowledge of financial modeling techniques and preparation of pro forma financial statements

Pay

The typical base pay range for this role is $66,500 - $76,100. This position is also eligible for a discretionary annual incentive program driven by organization and individual performance.

Schedule

Hybrid work model with flexible arrangements for most positions. Occasional travel (typically, once a month or less).

Physical Exertion

Sedentary work involving exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently to lift, carry, push, pull, or otherwise move objects. Sedentary work involves sitting most of the time but may include walking or standing for brief periods.

About CoBank

CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing, and other financial services to agribusinesses and rural power, water, and communications providers in all 50 states. CoBank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving farmers, ranchers, and rural borrowers in 23 states. As a member of the Farm Credit System, CoBank is headquartered outside Denver, Colorado, with regional banking centers across the U.S. and an international representative office in Singapore.