Credit Analyst

GreenStone Farm Credit Services•Grand Rapids, MI

About The Position

Greenstone Farm Credit Services is seeking an experienced Credit Analyst to join their team. In this role, you will be at the forefront of the credit approval process, offering your expertise on medium to moderately larger loan requests. Your contributions will directly impact the soundness and comprehensiveness of credit decisions, ensuring the financial well-being of the communities served. GreenStone manages a $16 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses. The company culture is guided by four core values: Customer First, Deliver Quality, Get involved, and Do the right thing. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.

Requirements

Bachelor’s degree is required.
Deep understanding of credit analysis underwriting, risk assessment and financial modeling on larger, more complex requests.
Strong analytical and problem-solving skills.
Exceptional attention to detail and accuracy.
Excellent communication and teamwork abilities.

Nice To Haves

Degree in business, accounting, agriculture business management or related field is preferred.
1+ years in credit analysis/underwriting, financial services, or agricultural lending experience.
Agriculture background
Knowledge of GAAP accounting principles.
Experience with commercial lending concepts, terminology, and commercial credit analysis

Responsibilities

Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
Conduct comprehensive financial analysis, evaluate earnings data, prepare income projections, and compile comparative data using similar farms or credit standards.
Utilize skill in ratio analysis to assess creditworthiness.
Prepare and present detailed loan narratives that provide a comprehensive view of the applicant's capital, capacity, collateral, conditions, key risks, mitigants, and recommendations for approvals.
Contribute to the character section of loan narratives.
Assist in portfolio management by monitoring specific loan covenants and ensuring borrowers meet their financial obligations.
Review legal documentation associated with loan requests to ensure that credit terms align with risk appetite and credit policies.
Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions.
Work closely with cross-functional teams to ensure that customer loan applications are processed efficiently through closing.