Commercial Credit Analyst

AgCredit ACA•Wellington, OH

12d

About The Position

The Commercial Credit Analyst will analyze all forms of credit information and independently prepare a complete documented credit package for all sizes and types of credit facilities, with primary concentration on large and complex Agribusiness and Capital Markets credit facilities. Provide credit analysis and loan structure expertise support primarily to the Agribusiness lending team, develop relationships with a number of complex accounts, provide occasional functional guidance to less experienced analysts, deliver prompt and courteous customer service to internal and external customers; and various other functions relating to the daily operations of the Agribusiness and Credit Analysis Branches. Additionally, the role supports marketing efforts, promotes AgCredit’s core values, and collaborates across teams to maintain secure and efficient loan servicing processes.

Requirements

Bachelor’s degree in Finance, Accounting, Economics or Business or equivalent experience.
Six or more years of agricultural or commercial underwriting or related experience.
Must possess sound credit judgement and differential credit skills to complete accurate and timely credit packages.
Overall knowledge and desire to continually study and be fluent in AgCredit, AgFirst, and FCA credit practices, policies, and procedures, GAAP, and other general financial terms and trends in the lending industry and particular to agribusiness and commercial lending.
Overall knowledge and desire to continually improve computer skills with experience with Microsoft Excel, Microsoft Word, CRM, Adobe, SharePoint and financial trending software preferred.
Knowledge of appraisals, on-line verification systems, business and individual tax return analysis, standard loan facility structuring, and agricultural commodity projections.
Self-starter, organized, detail-oriented, dynamic, innovative, flexible to a changing work environment, demonstrate willingness to be collaborative, possess strong written and verbal communication skills, quality and solution-focused, assertive, and decisive to arrive at sound business decisions.
Knowledge of grammar, spelling, punctuation, and formats to recognize and correct correspondence and reports.
May require work beyond normally scheduled hours with little or no advance notice to meet Ag Credit’s overall mission, goals and objectives.
Travel as deemed necessary.

Nice To Haves

Farm Credit experience preferred.

Responsibilities

Analyze financial information and accurately completes historical trends, pro forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default models, identification of sources and uses, loan profitability models, and any other necessary schedules, worksheets, and/or tools available to adequately support the overall credit recommendation.
Prepare a loan narrative or servicing request that provides an adequate summary, as applicable, of the (i) loan request, (ii) borrower and guarantors, (iii) eligibility, (iv) financial analysis, addressing the applicable five C’s of credit and highlighting credit strengths and weaknesses, (v) loan profitability analysis, and (vi) industry analysis, to support the overall credit recommendation.
Present loan action requests and credit recommendations to Loan Committee on an as-needed basis in conjunction with the Agribusiness Account Officer or independently.
Obtain proper delegated authority approval of credit recommendations.
Ensure all documentation supporting the credit recommendation is provided to the Agribusiness Loan Coordinator in a timely manner to support execution of the loan action including, but not limited to, communication with potential loan investors, application for guarantee, and loan closing.
Self-review of work to ensure Probability of Default and Loss Given Default ratings are accurate and loan structure and covenants are appropriate given the Size, Scope and Risk.
Advise Agribusiness Account Officers on appropriate loan structures and recommend appropriate controls.
Provide expertise to Agribusiness Account Officers to support preparation of preliminary and final term sheets.
Team with Agribusiness Account Officers to meet with Agribusiness customers on an as-needed basis and provide credit analysis and loan structuring expertise. Develop relationships with customers as a point of contact and resource secondary to the servicing Agribusiness Account Officer.
Study and maintain ongoing knowledge of internal and external credit practices, underwriting guidelines, loan products, and compliance standards to ensure sound and eligible credit recommendations are being completed.
Utilize customer-provided financial information and reporting to develop and analyze financial trends as part of the monthly, quarterly or annual ongoing servicing of Agribusiness accounts.
Collaborate with Agribusiness support staff to update loan system data related to customer financial information.
Monitor Agribusiness accounts for compliance with loan covenants and other conditions of loan approval.
Verify assets and debts as needed by using technology and resources available.
Collaborate with the Agribusiness Loan Servicing Specialist to ensure that adequate and appropriate Loan Servicing Plans are in place and are properly updated for originated and purchased accounts.
Update CRM records and completes Loan Servicing Plan tasks as appropriate.
Assist Agribusiness team members in preparation of loan and bond guarantee applications.
Prepare risk reports for management and the Board of Directors as needed.
Study and maintain a high level of knowledge of one or more specialized industries.
Complete other projects and/or research as assigned.
Proactively seeks opportunities to mentor and educate Ag Credit staff.
May provide training and guidance to less experienced retail analysts.
Support and participate in process improvement efforts to provide exceptional customer service and loan servicing.
Complete Least Cost Analyses as needed.