Senior Credit Analyst

Our Benefits

• Incentive Program: Company-wide, goals-based rewards.
• Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.
• Retirement: 401(k) with up to 9% employer contribution/match.
• Health Coverage: Affordable medical, dental, and vision plans.
• Parental Leave: 8 weeks of paid parental leave.
• Life & Disability Insurance: Employer-paid coverage.
• Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

At Capital Farm Credit, you'll find more than a job-you'll find purpose.

Education and Experience

• Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience.
• Five (5) or more years of experience in the administration and analysis of moderately complex credits on commercial and mortgage loans and leases.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions is helpful.
• This may include purchased and sold loan and lease participations.

Job Summary

• Assists Relationship Managers, Special Assets Officers and Administrators with data input, analysis, and risk determination on loans and leases.
• Performs moderately complex level credit analysis work on loans and leases, works under moderate supervision.
• In many cases the person is part of a deal team that processes a new loan or lease or credit servicing requests.
• Fully competent mid-level professional, assignments are broad in nature requiring originality, ingenuity, and leadership; has appreciable latitude for decision making; works under minimum supervision.
• May serve as a Team Leader.

Essential Functions

• Provides assistance to Relationship Managers, Special Assets Officers, and Administrators in analysis and servicing of the Association's loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default {PD} rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default {LGD} rating for loans and leases.
• Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
• Performs credit administration, monitoring and due diligence review of various financial packages for reports as requested by management.
• Determines and makes recommendations for approval or denial of loans and leases.
• Complies with proper credit administration practices as outlined in the association's policies and procedures.
• Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
• Assists in the development and closing of complex loans by assisting management and loan officers and negotiation of such credits.
• Acts as an approver of loans and leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets, communicates, and provides guidance to loan officers and administrators regarding association lending policies and procedures.
• Interprets and acts upon various legal, title and other questions which may arise on loans or leases.
• May assist in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
• Provides mentoring/training to less-senior credit analysts.
• Assists other association personnel in completing projects as assigned.
• May perform collateral evaluations as required. Other duties as assigned.

Required Skills

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Intermediate skill level in Microsoft Office applications.
• Ability to perform complex accounting/financial analyses under limited supervision.