Agricultural Credit Analyst II: Underwriting & Portfolio

Wilbur-Ellis; Lake Michigan Beach (MI); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Annual bonus and benefits

Retirement plan (401(k))

Paid vacation & holidays

Health, dental, vision coverage

Job summary

Wilbur-Ellis is seeking a Credit Analyst II to support Senior Credit Analysts in portfolio management, underwriting large agricultural accounts, and accounts receivable from origination through collection. This role analyzes creditworthiness and repayment capacity across nationwide accounts.

Responsibilities include evaluating financial statements, tax returns, cash flow, and industry trends; drafting security agreements; supporting collections; and communicating with Credit Managers and the

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.
• Intermediate analytical skills with the ability to interpret data and make informed decisions.
• Knowledge of risk management practices and aligning with company credit policies.

Responsibilities

• 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.
• 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

Cash flow analysis

Risk assessment

Microsoft Excel

MS Office

Data analysis

Agriculture industry knowledge

Analytical thinking

Education

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

Tools

Microsoft Excel

Microsoft Office

Job description

Wilbur-Ellis is seeking a Credit Analyst II to support Senior Credit Analysts in portfolio management, underwriting large agricultural accounts, and accounts receivable from origination through collection. This role analyzes creditworthiness and repayment capacity across nationwide accounts.

Responsibilities include evaluating financial statements, tax returns, cash flow, and industry trends; drafting security agreements; supporting collections; and communicating with Credit Managers and the