Capital Markets Credit Analyst/Senior Credit Analyst

Farm Credit of Florida•FL, FL

3d•Hybrid

About The Position

This position may be filled at the Capital Markets Credit Analyst (Analyst) or Senior Capital Markets Credit Analyst (Senior) level depending on experience, demonstrated competencies, and business need. The scope of responsibility, complexity of credits, and level of independence will align to the selected level. The Capital Market Credit Analyst/ Senior Credit Analyst will be responsible for analyzing credit information and independently preparing complete credit packages for purchased participation credits in accordance with the Association’s underwriting standards, credit philosophies, policies, and procedures. May also assist with originated credit packages as workflow and capacity allows. They are also responsible for completing all documents, including projections and analyses, and making clear and appropriate recommendations for new loan offerings, refinances, and renewals. Processing loan treatments, such as waivers, amendments, financial reviews, and miscellaneous servicing requests. Performing timely credit analysis to evaluate and identify risks for credit actions in sufficient depth to make proper recommendations to Loan Committee. Coordinating with external relationships with participation partners including agent banks, Farm Credit Banks and Associations, and commercial banks. Preferred location is within Farm Credit of Florida territory. Hybrid or remote may be considered based on experience.

Requirements

Bachelor’s degree in Business Administration, Agriculture, Economics or Finance, or related field or equivalent work experience.
Analyst level: Minimum of two (2) to four (4) years of agricultural and/or commercial credit analysis experience or related experience.
Senior level: Minimum of four (4) to six (6) years of agricultural and/or commercial credit analysis experience or related experience.
Strong attention to detail and analytical skills.
Ability to use discretionary judgment in making sound decisions and solving problems.
Ability to work independently.
Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the Association and borrower.
Ability to manage competing demands; excellent organization skills.
Proficiency in cash flow and GAAP financial analysis; ability to prepare committee-ready narratives; ability to collaborate across deal teams; and, at the Senior level, ability to mentor/train others.

Nice To Haves

Farm Credit experience is a plus.
Experience with participation loans, capital markets transactions, or multi-lender/syndicated credits is preferred.
Experience spreading in Moody’s, CreditLens, Optimist or similar spreading/credit platform (nCino) is a plus.

Responsibilities

Works independently to complete credit analyses with appropriate documentation and credit risk identification.
Analyst level: underwrites less complex participation actions and servicing requests with oversight; develops proficiency in internal risk rating methodology, covenant monitoring, and credit package preparation.
Senior level: independently underwrites more complex and higher exposure transactions; may approve within delegated authority when granted; provides effective challenge, mentors junior staff, and may lead projects or training.
Ensures credit analysis clearly and concisely explain the credit request, analyzes the financial information for strengths and weaknesses, evaluates compliance with underwriting standards and makes recommendations regarding constructive terms, controls, and financial covenants.
Demonstrates skillful use of differential analysis in determining documentation requirements and developing Loan Analyses Summaries.
Ongoing monitoring of customer’s financial situation, loan performance, repayment ability, loan controls and financial covenants.
Takes corrective action by corresponding and documenting the lead lender’s responses to delinquent accounts.
Presents loan actions effectively to Loan Committee or the appropriate delegated authority level depending on risk profile and commitment exposure.
Coordinates with Loan Officers on assigned tasks, including loan analysis, counterparty risk assessments, industry assessments, portfolio reporting, and other miscellaneous duties as requested.
Provides backup support to the credit administration analyst, as needed.
Maintains a satisfactory Credit Administration rating on loans assigned for underwriting/restructure.
Accurately and timely classifies loans using risk ratings; Probability of Default (PD) and Loss Given Default (LGD) with consideration of third-party ratings and/or Farm Credit System Lead’s risk rating classification.
Complies with all state and federal regulations as well as laws, policies and procedures of the Association, AgFirst District and Farm Credit Administration including but not limited to eligibility, borrower’s rights, scope of financing, collections, renewals, and fundamentals of loan making.
Reviews credit agreements, participation documents, and other legal documentation to confirm alignment with approved credit actions, covenants, and terms.
Adheres to internal controls and maintains documentation quality commensurate with portfolio complexity and risk; supports consistent, sound risk management practices and reporting expectations.