Credit Analyst II

Overview

This role supports the Senior Credit Analyst and Credit Managers in portfolio management, including underwriting large agricultural accounts, financial reporting, data analysis, asset discovery, and management of the accounts receivable portfolio from origination through collection. The position evaluates customer creditworthiness and repayment capacity and assists with large customer credit reviews using financial statement analysis, industry research, and business credit report evaluation. The Credit Analyst II also supports risk management efforts while ensuring compliance with company policies and applicable regulations.

Responsibilities

• Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000
• Evaluate repayment capacity and overall creditworthiness of potential and existing customers
• Analyze borrower financial statements, tax returns, balance sheets, income statements, and cash flow reports
• Conduct thorough credit reviews and provide informed underwriting recommendations
• Consolidate and analyze customer financial and tax information to support credit decisions
• Run business and trade reports for potential and existing customers
• Assist with large customer credit reviews by analyzing financial statements, industry trends, and business credit reports
• Draft security agreements and UCC-1 filings and perform lien priority analysis in accordance with UCC rules
• Support collections efforts by identifying and analyzing assets tied to past-due accounts
• Assist Credit Specialists as needed
• Maintain compliance with company documentation procedures and applicable laws and regulations
• Manage multiple priorities while maintaining strong organization and analytical rigor
• Communicate regularly with Credit Managers and the Director of Credit and Financing
• Support portfolio management activities, including financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection

Requirements

• 2+ years of credit analysis, underwriting, banking, commercial finance, or agricultural lending experience
• Strong financial statement and cash flow analysis skills
• Knowledge of credit underwriting and risk assessment
• Intermediate analytical skills, with the ability to interpret data and make informed decisions
• Desire to learn advanced underwriting and portfolio management skills
• Knowledge of risk management practices and the ability to maintain high standards while aligning with company credit policies
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook

Preferred Qualifications

• Bachelor’s degree in finance, accounting, business, or an agriculture-related field

Digital & Technology Capabilities

• Proficiency in Microsoft Office applications, including Excel for financial analysis, reporting, and data management
• Ability to leverage data analytics, reporting tools, and business intelligence insights to support credit decisions and portfolio management activities
• Comfort adopting new technologies, including digital collaboration platforms, workflow automation tools, and AI-powered solutions such as Microsoft Copilot to improve efficiency and decision-making

What Makes You a Great Fit

• Ability to establish rapport and develop confidence with co-workers and cross-functional partners when collaboration is essential
• Understanding of seasonal cash flow patterns and working capital needs within agricultural operations
• Excellent written and verbal communication skills
• Ability to solve problems and make sound business decisions
• Detail-oriented with a commitment to accuracy
• Ability to manage multiple tasks and priorities in a fast-paced environment
• Positive approach with a focus on providing timely responses to requests
• Enjoys working collaboratively while supporting credit, underwriting, and portfolio management objectives

Compensation & Benefits

• Base compensation range: $61,100 - $81,510 (salary may vary based on location, skills, and experience)
• Annual discretionary bonus eligibility
• Vacation, holidays, health, dental, vision, mental health
• Retirement plan participation, including an employer contribution of up to 7% into your 401(k)

Location

Not specified