Credit Development Associate - July 2027

CoBank•Greenwood Village, CO

13d•Hybrid

About The Position

Members of CoBank's Credit Advancement Program ("CAP") perform credit support and analysis functions in a rotational capacity through various functional and banking groups at CoBank in order to gain a broad understanding of the Bank's customer base and credit underwriting role. Rotational assignments provide on-the-job credit experience with CoBank's various Agribusiness and Rural Utility Banking Groups. Each rotation offers the opportunity to train with and support the various CoBank credit and relationship management teams. In addition to on-the-job training, Credit Development Associates complete curriculum to support their development throughout the 24-month training period. Associates who successfully complete the program are well versed in the credit analysis role and on their way to a credit career with CoBank.

Requirements

Bachelor's Degree required, Finance, Accounting, Agribusiness, or related field
Prior Experience or education in accounting/finance classes in undergraduate curriculum. required
Experience managing multiple priorities and working both independently and as part of a team.
Aptitude for financial analysis.
Strong customer focus, detail orientation, and time management skills.
Ability to build and maintain effective working relationships with all levels of management and staff.
Excellent verbal and written communication, presentation and interpersonal skills.
Knowledge of Microsoft Office applications (Outlook, Word and Excel) and other business software.
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

Nice To Haves

Prior Experience or education creating, modeling and/or analyzing management, finance, operations, marketing, or other relevant concepts in a business environment preferred
Some travel or temporary relocation may be required.

Responsibilities

Analyzes and processes audits, financial statements, and other borrower reporting including new, complex, and syndicated loans. Assists team with internal and external auditing functions and findings, as necessary.
Monitors financial statements and borrower reports for compliance with terms and conditions of loan agreements.
Prepares and underwrites credit reports as assigned, consulting with Relationship Managers, Credit Managers, and other credit personnel as needed. Conducts progressive credit analysis, including but not limited to credit administration and risk analysis in specifically assigned areas. Analyzes, reports, and makes recommendations related to credit decisions for CoBank borrowers and assists in identifying specific or general areas of concern.
Develops knowledge base and understanding of bank guidelines, policies, and procedures for presentation of credit information.
Reviews overall profitability and credit quality of a loan portfolio. Recommends credit decisions as appropriate.
Assists in developing and implementing marketing and account servicing plans to capitalize on marketing opportunities within designated industries.