Credit Analyst / Ag Lender Trainee

Finlayson Bancshares•Marshall, MN

8d•$65,000 - $90,000•Onsite

About The Position

At First Independent Bank, we're more than a place to work. We're a team that values relationships, collaboration, and helping our customers and communities thrive. As a Credit Analyst / Ag Lender Trainee, you'll play a key role in supporting sound lending decisions while partnering with lenders and customers. If you enjoy analyzing financial information, solving problems, building trusted relationships, and being part of a team that genuinely cares about its customers and each other, we'd love to hear from you.

Requirements

Minimum of 2-3 years of experience in a credit analyst, portfolio management, or similar banking position.
High school diploma or equivalent required.
Strong analytical and problem-solving abilities.
Excellent written and verbal communication skills.
Attention to detail and the ability to manage multiple priorities.
Proficiency in Microsoft Office and Microsoft Windows applications.
Ability to work independently while contributing to a collaborative team environment.
Basic understanding of tax returns required.

Nice To Haves

Associate's Degree (AA) or Bachelor's Degree in Finance, Accounting, or a related field preferred; equivalent experience will be considered.
Strong knowledge and interpretation of tax returns preferred.

Responsibilities

Analyze and evaluate credit information.
Prepare credit presentations in collaboration with loan officers for submission to loan committees.
Complete annual reviews on designated loans through the collection and analysis of customer financial information.
Work with experienced lenders during client interviews and community events.
Enter financial statements and related information into financial analysis software and maintain a strong working knowledge of FINPACK, Suntell, and Microsoft Excel.
Analyze financial information related to new and renewal Agricultural and Commercial loan requests.
Assist with risk assessment for Agricultural and Commercial loan requests by conducting thorough credit analysis in accordance with bank standards and industry guidelines.
Research and analyze macroeconomic and sector-specific trends in the Agricultural and Commercial industries to accurately evaluate borrower repayment capacity and inform credit underwriting decisions.
Prepare credit approval analysis, including evaluation of credit suitability within bank policy guidelines.
Prepare and complete independent internal evaluations for Ag Real Estate, Ag Machinery, Commercial Real Estate, and Consumer Real Estate in accordance with bank policy and regulatory guidelines.
Provide ongoing credit management support through quarterly and annual reviews, evaluating customer financial performance and overall financial condition.
Present findings and recommendations regarding a customer's creditworthiness.
Participate in ongoing and annual reviews of loans and commitments to assign objective credit grades, evaluate the adequacy of loan documentation, identify existing or potential credit concerns, ensure compliance with bank policies, and prepare written review reports.
Accompany experienced lenders on farm visits and client interviews to learn how to assess ongoing operations, understand producers needs, and build trusted banking relationships.
Help monitor loan repayment activities and track renewing lines of credit to identify potential credit deterioration or early warning signs within the assigned portfolio.
Collaborate with lending and credit teams to support quality credit decisions and exceptional customer experiences.
Build positive working relationships with colleagues and customers through professionalism, responsiveness, and attention to detail.
Help promote the bank's products and services by understanding customer needs and delivering personalized support.