Agriculture Credit Analyst II: Portfolio & Credit Insight

TalentAlly; Oregon; On-site; USD 61,000 - 82,000; Full time

Benefits offered by this job

Annual discretionary bonus

Vacation

Holidays

Health insurance

Dental

Vision

Mental health

401(k) retirement plan

Job summary

Wilbur-Ellis, a long-standing leader in agriculture, is seeking a Credit Analyst II to support underwriting, risk assessment, and portfolio management across nationwide accounts. You will analyze financial statements, tax returns, and cash flows to evaluate creditworthiness and discuss recommendations with credit management.

The role emphasizes data-driven decision making, collaboration across teams, and adherence to company policies.

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.

Responsibilities

• Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000.
• 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.

Skills

Credit analysis

Underwriting

Financial statement analysis

Cash flow analysis

Risk assessment

Microsoft Excel

Data analysis

Education

Bachelor's degree in finance or accounting

Agriculture-related field preferred

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Power BI

Copilot AI

Job description

Wilbur-Ellis, a long-standing leader in agriculture, is seeking a Credit Analyst II to support underwriting, risk assessment, and portfolio management across nationwide accounts. You will analyze financial statements, tax returns, and cash flows to evaluate creditworthiness and discuss recommendations with credit management.

The role emphasizes data-driven decision making, collaboration across teams, and adherence to company policies.