Credit Associate

About the role

The Credit Associate, also known as 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. This role builds foundational knowledge and skills to contribute to core work within the team.

Responsibilities

• Develops comprehensive financial analyses by assembling and validating balance sheets, income statements, tax returns, cash flow statements, and related data to accurately represent customers’ financial positions.
• Partners cross-functionally with sales, credit, and relationship teams to understand customer financials and operational changes, support effective customer communication, and ensure analyses reflect current conditions and risks.
• Analyzes loan servicing requests across varying levels of risk and complexity, including larger or higher-risk relationships, while providing financial analysis support to Credit Officers and other internal teams.
• Applies critical thinking and independent judgment to evaluate financial trends, incorporate projections, adjust analyses for complex or multi-entity borrowers, grant justified process exceptions, and, in some instances, recommend or approve loans within delegated authority.
• Builds and applies subject-matter expertise in agriculture, finance, credit, technology, and industry trends to strengthen credit decisions, risk assessment, and overall portfolio performance.
• Completes assigned tasks accurately by following established processes, guidance, and quality standards. Applies direction and from more experienced team members to build skill, confidence, and reliability.
• Maintains organized, complete, and dependable work products that support team workflow. Asks questions to clarify expectations and deepen understanding of systems, processes, and procedures.
• Contributes to team goals through collaboration, communication, and consistent follow-through. Identifies opportunities to strengthen personal work habits, accuracy, and efficiency as skills develop.

Requirements

• A High School Diploma/GED with 3 years relevant experience.
• A Bachelor's Degree preferred.

Qualifications

• Strong analytical and problem-solving skills.
• Ability to work independently and as part of a team.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Office Suite.

Skills

• Financial analysis and modeling.
• Customer service and relationship management.
• Underwriting and credit decision-making.
• Microsoft Excel and other financial software proficiency.

Benefits

At A Glance: Medical, dental, and vision insurance; well-being and fitness reimbursement programs; paid vacation, sick leave, and holidays; 401(k) plan with company contributions and matching opportunities; paid parental leave; short-term and long-term disability coverage; tuition reimbursement and professional development programs; community involvement and volunteer opportunities; variable compensation opportunities for eligible positions.

Pay

The salary range for this position is estimated to be $49,208.00 – $100,487.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget.

Schedule

Full Time, Hybrid

Travel Required

0% - 10%