Credit Analyst/Senior Credit Analyst

Western Ag Credit • Spanish Fork, UT

6h • Onsite

About The Position

The Credit Analyst/Senior Credit Analyst will complete thorough financial analyses to evaluate creditworthiness, identify emerging trends and operational impacts, and prepare comprehensive credit memoranda. This role involves monitoring loan performance across the portfolio, with a particular focus on large and complex loans, including agribusiness loans. The analyst will also ensure the maintenance of accurate loan file documentation and compliance with Association policies and procedures. Collaboration with relationship managers is key for recommending or approving/denying loans, preparing recommendations for committee review, and addressing legal or title issues. Additionally, the role includes providing training to junior analysts, supporting team projects, and potentially conducting collateral evaluations. This position is located in Spanish Fork, Utah.

Requirements

• BA/BS degree with emphasis in accounting, agriculture, or business required.
• Minimum of three (3) years of agricultural credit, accounting or financial reporting experience required.
• Demonstrates advanced analytical and financial analysis capabilities, enabling effective assessment of creditworthiness.
• Possesses comprehensive knowledge of financial accounting and financial statements, including proficiency in complex consolidations, tax return evaluations, global cash flow analysis, and reconciliations.
• Strong knowledge of agriculture, accounting, business law and economics.
• Ability to interact effectively with people at all levels of the organization and to convey ideas clearly.
• Skills in planning and organization.
• Must be self-motivated with a good work ethic.
• Ability to exercise initiative and judgment.
• Must be proficient in the use of computers and the Microsoft Office suite of software products (i.e. Excel, Word, Windows, etc.).

Nice To Haves

• Will consider an entry level candidate.
• Working knowledge and understanding of Farm Credit regulations preferred.

Responsibilities

• Completes thorough financial analyses to evaluate creditworthiness.
• Identifies emerging trends and operational impacts.
• Prepares comprehensive credit memoranda.
• Monitors loan performance across the portfolio, particularly related to large and complex loans, including agribusiness loans.
• Monitors the maintenance of accurate loan file documentation.
• Ensures accurate reporting and compliance with Association policies and procedures.
• Collaborates with relationship managers to recommend or approve/deny loans within delegated authority.
• Prepares recommendations for committee review.
• Addresses legal or title issues as needed.
• Provides training to junior analysts.
• Supports team projects.
• May conduct collateral evaluations.
• Additional duties as assigned.

Benefits

• Salary Range: Depending on education and experience, plus up to 15% additional performance based variable incentive compensation.
• Comprehensive benefits package also provided.

What This Job Offers

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