Senior Credit Analyst - Financial Institutions

Benefits Overview

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best!

• Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays
• Competitive Compensation & Incentive
• Hybrid work model: flexible arrangements for most positions
• Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• Royalty-free tuition reimbursement for higher education
• Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
• Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups: creating a culture of respect and inclusion
• Recognize a fellow associate through our GEM awards

Job Description

Prepares analysis and conducts credit investigations of routine and more complex credits for domestic and international financial institution counterparties in accordance with prescribed methods and procedures.

Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed limits.

Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis.

Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements for new, renewal, or extension loans.

Reviews all pertinent credit and financial information utilizing public ratings, market indicators, and internal fundamental analysis and determines the need for more thorough investigation or additional information.

Analyzes information statements and related material and 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.

Maintains control over current accounts, monitoring for macroeconomic and banking sector developments, developing problems, trends, and compliance with covenants.

Provides relevant and timely information to internal stakeholders including account officers, relationship managers, Treasury, Capital Markets and credit staff.

Assists credit manager 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.

May authorize loan advances and loan re-pricing with money desk staff.

Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.

Education and Work Experience

• Bachelor's Degree required
• 3 years of credit experience in banking industry. Required
• Proficient knowledge of the public ratings agencies of Moody's S&P and Fitch preferred

Physical Exertion

Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time.

Travel Requirement

Occasional Travel occurs infrequently (typically, once a month or less).

About CoBank

The typical base pay range for this role is between $81,500 - $93,200. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience.

Reasonable Accommodation

We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing recruiting@cobank.com. Include your contact information and specific details about your requested accommodation.

Application Instructions

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

EEO Statement

Cobank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.