Credit Analyst

GreenStone Farm Credit Services•Lansing, MI

7d•Hybrid

About The Position

We are seeking an experienced Credit Analyst to join our capital markets team in one of the following locations: Grand Rapids-MI, East Lansing-MI or Little Chute-WI. Remote work arrangements would be considered, depending on qualifications. In this role, you will be at the forefront of the credit approval process, offering your expertise on high impact loan requests. Your contributions will directly impact the soundness and comprehensiveness of our credit decisions, ensuring the financial well-being of the communities we serve.

Requirements

Bachelor’s degree in business, accounting, agriculture business management or related field.
Knowledge of GAAP accounting principles
1+ years in credit analysis/underwriting, financial services, or agricultural lending experience
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.

Responsibilities

Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
Conduct comprehensive financial analysis, evaluate GAAP financial statements, review and sensitize projected financial models, and compile comparative data using market comps or credit standards. Utilize the five C’s of credit 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.
Assist in portfolio management by monitoring company performance and specific loan covenants, ensuring borrowers meet their financial obligations. Your role is critical to safeguarding the organization's interests.
Review legal documentation associated with loan requests to ensure that credit terms align with our risk appetite and credit policies, reducing risks and maintaining consistency.
Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions. Your knowledge will be invaluable in adapting to evolving financial landscapes.
Work closely with cross-functional teams to ensure that customer requests are processed efficiently through closing. Your collaboration will help ensure that our customers receive the support and financial solutions they need in a timely manner.