Agricultural Credit Analyst II — Underwriting & Portfolio Risk

Wilbur-Ellis; Montana; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Annual discretionary bonus

Vacation and holidays

Health, dental, vision, mental health

Retirement plan with 7% employer match

Job summary

Wilbur-Ellis is seeking a Credit Analyst II to support the Senior Credit Analyst and Credit Managers in underwriting large agricultural accounts and managing accounts receivable from origination through collection.

The role involves financial statement analysis, industry research, and evaluating customer creditworthiness. You will collaborate across the enterprise nationwide and contribute to risk management and policy compliance.

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.

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

Financial statement analysis

Cash flow analysis

Credit underwriting

Risk assessment

Analytical thinking

Microsoft Office

Education

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

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Job description

Wilbur-Ellis is seeking a Credit Analyst II to support the Senior Credit Analyst and Credit Managers in underwriting large agricultural accounts and managing accounts receivable from origination through collection.

The role involves financial statement analysis, industry research, and evaluating customer creditworthiness. You will collaborate across the enterprise nationwide and contribute to risk management and policy compliance.