Agricultural Credit Analyst II: Underwriting & Portfolio

Wilbur-Ellis; Texas; Sur place; USD 60 000 - 90 000; Plein temps

Résumé du poste

Wilbur-Ellis is seeking a Credit Analyst II to support senior analysts and manage credit reviews for large agricultural accounts. You will analyze financial statements, cash flows, and industry trends to evaluate creditworthiness and recommend underwriting decisions.

The role involves collaboration across the enterprise, supporting risk management, and ensuring compliance with company policies. A bachelor’s in finance or related field is preferred.

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 the ability to maintain high standards while aligning with company credit policies
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
• Bachelor’s degree in finance, accounting, business, or an agriculture-related field is preferred

Responsabilités

• 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

Description du poste

Wilbur-Ellis is seeking a Credit Analyst II to support senior analysts and manage credit reviews for large agricultural accounts. You will analyze financial statements, cash flows, and industry trends to evaluate creditworthiness and recommend underwriting decisions.

The role involves collaboration across the enterprise, supporting risk management, and ensuring compliance with company policies. A bachelor’s in finance or related field is preferred.