Credit Analyst II

Wilbur-Ellis•Washington, DC

1d•$61,100 - $81,510•Onsite

About The Position

The Credit Analyst II supports the Senior Credit Analyst and Credit Managers in portfolio management, including underwriting large agricultural accounts, financial reporting, data analysis, asset discovery, and management of the accounts receivable portfolio from origination through collection. This role works across the enterprise with accounts nationwide and plays a key role in evaluating customer creditworthiness and repayment capacity. The position assists with large customer credit reviews through financial statement analysis, industry research, and business credit report evaluation. The Credit Analyst II also supports risk management efforts while ensuring compliance with company policies and applicable regulations. Success in this role requires strong analytical skills, sound underwriting judgment, and effective cross-functional collaboration.

Requirements

2+ years of credit analysis, underwriting, banking, commercial finance, or agricultural lending experience
Strong financial statement and cash flow analysis skills
Knowledge of credit underwriting and risk assessment
Intermediate analytical skills with the ability to interpret data and make informed decisions
Desire to learn advanced underwriting and portfolio management skills
Knowledge of risk management practices and the ability to maintain high standards while aligning with company credit policies
Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
Bachelor’s degree in finance, accounting, business, or an agriculture-related field is preferred
Ability to establish rapport and develop confidence with co-workers and cross-functional partners when collaboration is essential
Understanding of seasonal cash flow patterns and working capital needs within agricultural operations
Excellent written and verbal communication skills
Can effectively solve problems and make sound business decisions
Detail-oriented and committed to accuracy
Can successfully manage multiple tasks and priorities in a fast-paced environment
Bring a positive approach with an emphasis on providing timely responses to requests
Enjoy working in a collaborative environment while supporting credit, underwriting, and portfolio management objectives

Nice To Haves

Proficiency in Microsoft Office applications, including Excel for financial analysis, reporting, and data management
Ability to leverage data analytics, reporting tools, and business intelligence insights to support credit decisions and portfolio management activities
Comfortable adopting new technologies, including digital collaboration platforms, workflow automation tools, and AI-powered solutions such as Microsoft Copilot to improve efficiency and decision-making

Responsibilities

Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000 and more.
Evaluate repayment capacity and overall creditworthiness of potential and existing customers.
Analyze borrower financial statements, tax returns, balance sheets, income statements, and cash flow reports.
Conduct thorough credit reviews and provide informed underwriting recommendations.
Consolidate and analyze customer financial and tax information to draw conclusions and support credit decisions.
Run business and trade reports for potential and existing customers.
Assist with large customer credit reviews by analyzing financial statements, industry trends, and business credit reports.
Draft security agreements and UCC-1 filings and perform lien priority analysis in accordance with UCC rules.
Support collections efforts by identifying and analyzing assets tied to past-due accounts.
Assist Credit Specialists as needed.
Maintain compliance with company documentation procedures and applicable laws and regulations.
Manage multiple priorities while maintaining strong organization and analytical rigor.
Communicate regularly with Credit Managers and the Director of Credit and Financing.
Support portfolio management activities, financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection.