Senior Analyst

AgAmerica•Lakeland, FL

About The Position

AgAmerica is seeking a Senior Analyst to support collateral evaluation, credit risk analysis, and ongoing portfolio management for loans underwritten by the Lending department. The role involves working with external clients to collect due diligence information, facilitating collateral evaluation, analyzing credit information, and preparing credit packages for credit approval. The position reports to the Associate Director, Lending. The ideal candidate is a detail-oriented self-starter with strong lending and financial analysis knowledge, communication and interpersonal skills, adaptability to changing business needs, and a solution-oriented mindset. The position is full-time and can be performed remotely or in Lakeland, Florida. Compensation is negotiable based on experience, with a competitive benefits package and bonus opportunity. Occasional travel may be required.

Requirements

At least 3 years of credit analysis or portfolio management experience.
Basic knowledge of the real estate industry.
Extensive knowledge of Excel and basic accounting principles.
Excellent analytical skills.
Strong attention to detail and organization, with the ability to multitask.
Fluency in Microsoft Office, including Outlook, Excel, Word, and PowerPoint.
Excellent written and oral communication skills.
Ability to manage competing priorities in a fast-paced environment and communicate effectively across departments.
Proven analytical ability for medium- to high-complexity credits.
Strong interpersonal skills and a motivated, proactive approach.
Ability to demonstrate a positive attitude, energy, and effort.
Commitment to data-driven program evaluation.

Nice To Haves

Bachelor’s degree in Business, Economics, Finance, Accounting, or Agriculture.

Responsibilities

Participate on deal teams collecting information to analyze underlying collateral land and determine loan applicants’ financial condition and creditworthiness.
Interact directly with external clients to collect, organize, and review borrower, guarantor, collateral, and transaction due diligence information; identify missing items and coordinate follow-up with internal and external stakeholders.
Prepare and engage appraisal bid requests to evaluate collateral.
Ensure loans adhere to credit policy, are properly risk rated, and are priced according to risk.
Clearly communicate findings during the underwriting process, orally and in writing.
Assist with pre-closing by confirming underwriting requirements are satisfied, tracking outstanding conditions, and coordinating documentation and information needed for closing.
Perform other duties as assigned.