Ag Credit Analyst
About The Position
Town & Country Credit Union is seeking a detail-oriented, analytical, and motivated Ag Credit Analyst to support its agricultural lending operations team. The position supports agricultural lenders through financial analysis and underwriting credit requests, helping assess risk and maintain loan compliance with applicable regulations. The analyst works with financial statements and tax returns, evaluates borrower and loan performance, and prepares credit materials for management or committee review. The role may also involve collaborating with Ag Lenders on business development and occasionally joining Loan Officers for site visits and presentations.
Requirements
- Four-year college degree or equivalent experience.
- 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 explain financial findings clearly to team members and management.
- Proficiency in Microsoft Office and ability to quickly learn business-related computer systems and analysis software.
- Commitment to a sales and service culture, including the ability to recommend products that benefit members.
Nice To Haves
- Previous experience as a Credit Analyst in a financial institution.
- Experience with Abrigo credit software.
Responsibilities
- Input and organize financial statements and tax returns in analysis software to assess financial trends and conditions of business and personal borrowers.
- Underwrite credit requests by evaluating loan performance ratios, cash flow feasibility, and risk ratings.
- Work with Ag Lenders to develop business activities and occasionally join 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 submission to Senior Management and/or the Credit Committee for approval.
- Assist with portfolio stress testing and reporting on aggregate loan exposures.
- Maintain working knowledge of BND and other government-sponsored programs.
Benefits
- Competitive pay
- Paid holidays
- Generous paid time off
- Dress-for-your-day dress code
- 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
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
