Credit Analyst

GreenStone Farm Credit Services•Grand Rapids, MI

About The Position

We're looking for a detail-oriented Credit Analyst to help support sound lending decisions through financial analysis and credit evaluation. In this role, you'll analyze moderately complex commercial and mortgage loan requests, prepare detailed financial assessments, and collaborate with lending teams to deliver exceptional service to our customers. Get to know GreenStone Our $16 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country. Culture Core Four values steer everything we do at GreenStone. Customer First, Delivery Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.

Requirements

Bachelor's degree required.
Strong analytical, problem-solving, and communication skills.
Ability to interpret financial statements and assess credit risk.
Detail-oriented with excellent organizational skills.

Nice To Haves

Business Administration, Agricultural Business, Finance, Economics, or a related field preferred.
1+ years of experience in credit analysis, underwriting, financial services, or agricultural lending preferred.

Responsibilities

Analyze commercial and mortgage loan requests that require in-depth credit review.
Review financial statements, credit reports, collateral information, and related documentation.
Prepare cash flow projections, ratio analysis, financial trends, and loan narratives.
Gather and validate customer financial information to ensure complete and accurate analysis.
Monitor loan covenants, borrowing base reports, and portfolio exceptions.
Support loan servicing, annual reviews, and government-guaranteed loan reporting.
Participate in internal credit reviews and collaborate with credit leadership to identify and document findings.
Make credit decisions within delegated authority.