Commercial Credit Analyst Associate

EDUCATION AND EXPERIENCE

• Bachelor’s degree in finance, Business Administration or a related field, or equivalent experience.
• One (1) to three (3) years of experience in the banking or financial services industry.
• Experience in the administration and analysis of credit and working with commercial and/or mortgage loans preferred.

JOB SUMMARY

• Assist Relationship Managers, Special Assets Officers and Loan Administrators with data input, analysis, and risk determination.
• Performs entry-level professional commercial credit analysis work on loans and leases that is basic in nature, works under moderate supervision.
• In many cases is part of a deal team that processes a loan or lease request. 

ESSENTIAL FUNCTIONS

• Assists parties noted above with data input, credit and financial analysis, and risk determination, on existing loans and leases in the portfolio.
• Assists parties noted above with monitoring existing loans and leases in the portfolio.
• Determines probability of default (PD) ratings on new loans and leases, and credit servicing requests.
• Determines loss given default (LGD) ratings on new loans and leases, and credit servicing requests.
• Determines creditworthiness of applicants on new and existing loan and leases packages and makes a recommendation to approve or deny the applications.
• Interprets, communicates, and provides guidance to internal stakeholders regarding Association lending policies and procedures.
• Works directly with other internal stakeholders in the development of appropriate credit decisions and prepares other reports as requested by management.
• Complies with proper credit administration practices as outlined in the Association’s policies and procedures.
• May assist in the development and analysis of various queries facilitating risk management, Quality Control, reporting and monitoring of compliance with lending standards and loan pricing
• Assists senior level credit analyst staff with loan and lease applications and credit servicing actions.
• May perform collateral evaluations within delegated authority as necessary.
• May perform credit and financial analysis, monitoring and due diligence review of various loan participation packages/opportunities with other lenders and Capital Markets.
• Assists EVP, Chief Credit Officer or other leadership in completing coordinated projects as assigned.
• Other duties as assigned.

REQUIRED SKILLS

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic accounting/financial analyses under moderate supervision.

DISCLAIMER

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at careers@capitalfarmcredit.com and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.