Senior Ag Credit Analyst

About the role

This person reviews loans in accordance with the bank's Loan Policy and Guidelines. They must have an extensive understanding of all types of commercial and agricultural credits and the ability to recommend actions that minimize the bank's exposure while ensuring lending practices conform to established policy.

Responsibilities

• Analyze and risk rate the most complex credit lines and critique the credit classifications assigned by Loan Officers, ensuring consistency with findings of appropriate regulatory agencies.
• Spread, analyze, and review financial statements for highly complex current and prospective borrowers across a variety of industries using tax returns, financial statements, credit reports, and other requested reporting.
• Calculate cash flow for more complex borrowers and guarantors, including analysis of projections, trends, and ratio analysis.
• Summarize and analyze findings in the bank’s written credit presentation.
• Prepare annual reviews on borrowing relationships in accordance with loan policy.
• Analyze intricate credit requests for the SBA portfolio.
• Monitor covenant compliance with loan agreements.
• Provide mentoring and training to less experienced staff.
• Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager or Loan Officer with a detailed explanation of credit exceptions and recommended corrective actions.
• Communicate directly with Loan Officers and Credit Analyst Managers regarding minor technical documentation discrepancies or potential credit weaknesses, requesting corrections and recommending alternatives to improve credit lines.
• Perform follow-up actions as necessary until discrepancies are corrected.
• Attend Loan Committee meetings where credit lines are presented for final approval, recommended action, and classification.
• Perform services and projects for the department and the bank as needed.
• Attend Credit Department and other committee meetings as requested by management to participate in decisions affecting ongoing and future operations.
• Act in accordance with FBT policies and procedures as set forth in the employee handbook and adhere to compliance procedures, including required compliance training.

Qualifications

• Bachelor’s degree or equivalent.
• Ten years of work-related experience or equivalent.
• Strong proficiency in project management.
• Good communication skills, attention to detail, and understanding of Loan Policy and Guidelines.