Ag Credit Analyst

Beacon Credit Union•Rushville, IN

3d•Hybrid

About The Position

This role is responsible for analyzing credit and financial reports to determine the risk involved in loaning money or extending credit. The analyst will scrutinize financial data, including profitability, income growth, and management quality, to decide if loans will be lucrative. The selected employee(s) can be headquartered at any Beacon ag loan center that has available office space. Fully remote status will be considered for an experienced candidate, with some travel for training required depending on the candidate's location.

Requirements

One to three years of agriculture and/or commercial credit analysis or related experience
Four-year college degree or equivalent combination of education and experience
Excellent computer skills (Word, Excel)
Ability to work independently with little or no supervision
Must be extremely detail oriented
Excellent communication skills with both internal and external personnel
Ability to foster sound relationships with outside entities
A significant level of trust and diplomacy, in addition to courtesy and tact

Nice To Haves

Knowledge of financial spreads and tax returns a plus

Responsibilities

Performs the initial and ongoing credit analysis to determine if members' credit requests satisfy policies and procedure guidelines, and prepares and processes all applicable documentation for credit analysis and risk ratings.
Images and tracks financial documents, including financial statement, tax return, credit report, risk analysis, annual review report, and loan request presentation report, necessary for annual review and loan approval processes for the borrower.
Prepares a detailed narrative based on the financial trends and ratios delivered in the reports presented to loan committees for loan approval and risk rating score assignment purposes.
Provides support to Credit Union members and staff in explaining credit policies and procedures.
Provides and maintains reporting requirements on Credit Union members' credit obligations, such as watch lists and allowance for loan loss calculations.
Assists in special assignments requested by management and members.
Performs other related duties as assigned.