Agriculture Credit Analyst II: Underwrite Large Accounts

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

Benefits offered by this job

Annual bonus

Health insurance

Dental insurance

Vision insurance

Mental health support

401(k) with employer match

Job summary

Wilbur-Ellis is seeking a Credit Analyst II to support Senior Credit Analysts in portfolio management across nationwide accounts, focusing on underwriting large agricultural accounts, financial reporting, and credit reviews.

Responsibilities include analyzing financial statements, tax returns, and cash flow; drafting underwriting recommendations; supporting collections; and ensuring compliance with policies while leveraging MS Office tools.

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.

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 analysis

Cash flow analysis

Risk assessment

Data interpretation

Education

Bachelor's degree in finance or accounting

Tools

Microsoft Office

Job description

Wilbur-Ellis is seeking a Credit Analyst II to support Senior Credit Analysts in portfolio management across nationwide accounts, focusing on underwriting large agricultural accounts, financial reporting, and credit reviews.

Responsibilities include analyzing financial statements, tax returns, and cash flow; drafting underwriting recommendations; supporting collections; and ensuring compliance with policies while leveraging MS Office tools.