Ag Credit Analyst
About The Position
Town & Country Credit Union is seeking a detail-oriented, analytical, motivated Ag Credit Analyst to join its collaborative agricultural lending operations team. The analyst supports lenders by conducting financial analysis and underwriting credit requests, helping assess risk and ensure loans comply with regulations. The role contributes to the financial health of members and the credit union and supports the growth of local farms. The analyst works with Ag Lenders to develop business activities and may occasionally join Loan Officers on site visits and presentations. The role also involves preparing credit memoranda for Senior Management and/or the Credit Committee, supporting portfolio stress testing and exposure reporting, and maintaining knowledge of BND and other government-sponsored programs.
Requirements
- A four-year college degree or equivalent experience.
- A solid understanding of lending principles, loan services, and financial statement analysis.
- Ability to interpret complex data and make sound credit recommendations.
- Excellent oral and written communication skills, including the ability to clearly explain financial findings to team members and management.
- Proficiency in Microsoft Office and Moody’s Web Equity.
- Ability to quickly master business-related computer systems and analysis software.
- Commitment to a sales-and-service culture and ability to recommend products that benefit members.
Nice To Haves
- Previous experience as a Credit Analyst in a financial institution is preferred.
- Experience with Abrigo credit software is a plus.
Responsibilities
- Enter and organize borrowers’ financial statements and tax returns in analysis software to assess financial trends and conditions.
- Underwrite credit requests by evaluating performance ratios, cash flow feasibility, and risk ratings.
- Collaborate with Ag Lenders to develop business activities and occasionally accompany Loan Officers on site visits and presentations.
- Recommend loan covenants, provide collateral valuations, and monitor the loan portfolio for compliance with state and federal regulations.
- Prepare comprehensive credit memoranda for Senior Management and/or the Credit Committee.
- Assist with portfolio stress testing and reporting on aggregate loan exposures.
- Maintain working knowledge of BND and other government-sponsored programs.
- Recommend products that benefit members in support of a sales-and-service culture.
Benefits
- Paid holidays
- Generous paid time off
- Health insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Flexible spending accounts
- 401(k) with employer contributions
- Paid volunteer time
- Tuition reimbursement
- YMCA Corporate Membership Discount or Lifestyle Spending Account
- Dress-for-your-day dress code
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
