Agricultural Credit Analyst II - Underwriting & Portfolio

Wilbur-Ellis; Central City (NE); On-site; USD 61,000 - 82,000; Full time

Benefits offered by this job

Annual discretionary bonus

Comprehensive benefits: health, dental

Vision, mental health, retirement plan

401(k) with up to 7% employer match

Paid vacation and holidays

Job summary

Wilbur-Ellis, a 100-year-old family-owned leader in Ag, seeks a Credit Analyst II to support Senior Credit Analysts and Credit Managers nationwide. You will analyze large agricultural accounts, review financial statements, and perform underwriting to protect credit quality.

You’ll collaborate cross-functionally, prepare reports, and help manage accounts receivable from inception to collection while ensuring compliance with policies and regulations.

Qualifications

• 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.
• Proficiency with data analysis and reporting.
• Desire to learn advanced underwriting and portfolio management skills.

Responsibilities

• Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000 and more.
• 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 draw conclusions and 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, financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection.

Skills

Credit analysis

Underwriting

Financial statement analysis

Data analysis

Cross-functional collaboration

Attention to detail

Education

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

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

Wilbur-Ellis, a 100-year-old family-owned leader in Ag, seeks a Credit Analyst II to support Senior Credit Analysts and Credit Managers nationwide. You will analyze large agricultural accounts, review financial statements, and perform underwriting to protect credit quality.

You’ll collaborate cross-functionally, prepare reports, and help manage accounts receivable from inception to collection while ensuring compliance with policies and regulations.