Commercial Senior Credit Analyst

Capital Farm Credit • Amarillo, TX

3h • Onsite

About The Position

The Commercial Senior Credit Analyst collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Administrators in performing detailed financial analysis of commercial agriculture and agribusiness credits. This role involves assessing creditworthiness, conducting market research, and performing high-level credit analysis and structuring of the Association’s largest and most complex borrowers. The Senior Credit Analyst will work under moderate supervision, often as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision-making, closing, and servicing. This is a fully competent mid-level professional role where assignments are broad in nature requiring originality, ingenuity, and leadership. The individual has appreciable latitude for decision making and works under moderate supervision. This role may also serve as a Team Leader.

Requirements

• Five or more years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication. Transactions include direct, as well as purchased, sold, and syndicated loans and leases.
• Five or more years of experience in structuring and evaluating loan, lease, and credit servicing actions for commercial, agribusiness and capital markets customers.
• Strong analytical and financial analysis skills, with the ability to assess creditworthiness and conduct market research
• Intermediate knowledge of accounting/finance principles.
• Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team
• Ability to work independently and under moderate supervision.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

Nice To Haves

• Thorough knowledge of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, mortgage loans and commercial ag/operating credits.
• Knowledge of Farm Credit System and its lending practices.

Responsibilities

• Collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators in structuring, analysis and servicing of the Association’s largest and most complex borrowers' loans and leases. Transactions include direct, as well as purchased and sold loan and lease participations.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default PD rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default LGD rating for loans and leases.
• Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Performs credit administration, monitoring and due diligence review of various financial packages for reports as requested by management.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc.).
• Determines and recommends approval or denial of loans and leases.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
• Contributes to the development and closing of complex loans collaborating with management and relationship managers to negotiate such credits.
• Approves loans and leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets, communicates, and provides guidance to relationship managers and administrators regarding association lending policies and procedures.
• Interprets and acts upon various legal, title and other questions which may arise on loans or leases.
• Develops and administers lending programs, as well as developing and revising operating procedures relating to lending operations.
• Provides mentoring/training to less-senior credit analysts.
• Collaborates with other association personnel in completing projects as assigned.
• May perform collateral evaluations as required. Other duties as assigned.

Benefits

• Incentive Program: Company-wide, goals-based rewards.
• Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.
• Retirement: 401(k) with up to 9% employer contribution/match.
• Health Coverage: Affordable medical, dental, and vision plans.
• Parental Leave: 8 weeks of paid parental leave.
• Life & Disability Insurance: Employer-paid coverage.
• Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level