Credit Analyst conducting comprehensive credit analysis for commercial and agricultural members. Recommending risk mitigation strategies and collaborating with account managers in a hybrid environment.
Responsibilities
Conducting comprehensive analysis of incoming credit requests from our commercial and agricultural members
Identifying strengths, weaknesses and risks of the request; recommending appropriate risk mitigation strategies within the Business Credit Application
Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests
Assess creditworthiness of business and agricultural members
Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests
Present analysis, findings, and recommendations in a clear, concise manner within the Business Credit Application
Provide recommendations for credit structure, security, and risk mitigation through use of covenants and conditions
Prepare supporting documents such as charts, reports, spreadsheets and models to support analysis of new and existing credit applications
Requirements
Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
One year experience in a business banking role preferred
Demonstrated desire to serve others in a friendly and professional manner
Ability to identify and willingness to assist with sales and service opportunities
Strong interpersonal and communication skills, both verbal and written
Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests
Ability to build trust and credibility with team members throughout the organization
Ability to work in a fast-paced team environment and perform well under pressure
Ability to prioritize using sound judgment to make timely and effective decisions
Superb attention to detail with exceptional degree of accuracy
Strong knowledge of risk management within the financial industry
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