Credit Analyst

Farm Credit; Colusa, Willows (CA, CA); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Incentive bonuses

Job summary

Colusa-Glenn Farm Credit is seeking a Credit Analyst to support the credit team in underwriting and processing assigned credit requests. The role involves preparing loan narratives, reviewing packages, and ensuring accuracy for loan committees.

Based in Colusa and/or Willows, CA, you will also perform crop inspections, document filing in OnBase, and assist with administrative duties and community involvement as part of a dynamic agricultural lending team.

Qualifications

• Must hold an Associate's degree in business administration or a related field.
• Strong interpersonal and communication skills.
• Proficiency with Word, Excel and Outlook to support credit processes.
• Ability to work independently and solve problems.
• Ability to collaborate effectively with a team.

Responsibilities

• Perform financial analysis on assigned credits, input balance sheets, cash flows and budgets into underwriting systems.
• Prepare loan narratives and ensure completeness of loan packages for review or approval.
• Conduct crop inspections and prepare progress reports; file documents in OnBase.
• Assist with ACH deposits approvals, lien waivers, and audit requests.
• Engage in community events and industry activities to support the Association’s presence.

Skills

Interpersonal skills

MS Word/Excel/Outlook

Independent work

Team collaboration

Problem solving

Organizational skills

Data confidentiality

Valid driver’s license

Education

Associate's degree in business administration or related field

Job description

Credit Analyst Position:

full-time, in-person position located in the Colusa and/or Willows, CA Branches.

About Colusa-Glenn Farm Credit:

Farm Credit Services of Colusa-Glenn, ACA (aka the Association or Colusa-Glenn Farm Credit) is a member-owned cooperative that provides credit and credit-related services to or for the benefit of eligible borrowers (members) for qualified agricultural purposes in the counties of Colusa and Glenn in the state of California. The Association is a lending institution of the Farm Credit System (FCS), a nationwide system of cooperatively owned banks and associations, which was established by Acts of Congress to meet the credit needs of American agriculture and is subject to the provisions of the Farm Credit Act of 1971, as amended (the Farm Credit Act). The Association provides financing and related services through its Federal Land Credit Association (FLCA) and Production Credit Association (PCA) subsidiaries. The Association maintains its corporate headquarters in Colusa (Colusa County) and a branch office in Willows (Glenn County).

Position Overview:

The Credit Analyst provides support to the credit team through the underwriting and process of assigned credit requests. In addition, the credit analyst represents the Association at various industry meetings and community events.

• Department: Credit
• Reports To: Chief Lending Officer
• Exemption Status: Non-Exempt
• Salary Range: $50,000-$70,000

Job Functions

Credit Support (85%) The Credit Analyst performs financial analysis on assigned credits through the compiling of various required documents. The Credit Analyst will be responsible for the input of balance sheets, cash flows, budgets and other financial information into the credit underwriting program. The analyst will prepare a loan narrative that provides a summary of information for loan committee. The analyst will review the loan package for completeness and accuracy prior to submission to the loan officer for review or loan committee for approval. The analyst will conduct crop inspections and prepare crop progress reports. The analyst is responsible for filing documents in the electronic file storage program, OnBase.

Administrative Duties (10%) The Credit Analyst will be responsible for approval of ACH deposits, approval of lien waivers and completing audit requests.

Community Involvement and Organization Support (5%) The Credit Analyst supports the Association's presence within the agricultural community by participating in industry events, local youth activities, and county fairs as appropriate.

The position also performs additional duties and special projects assigned to support departmental and organizational objectives.

* Essential Functions for this position consist of all items listed under any category that make up 5% or more of the job duties. This job description is subject to change without notice.

Qualifications

Education: Associate's degree in business administration or a related field

Years of Related Experience: 1-3 preferrable

Required Knowledge and Skills

• Expert interpersonal skills to interact and work effectively with others
• Skill in utilizing Word, Excel and Outlook to increase efficiency and/or effectiveness
• Skill in working independently and taking initiative to identify and solve complex problems
• Skill in working as part of a team and collaborating with colleagues
• Strong skill in problem solving to identify, communicate, and implement action when needed
• Skill in organizing material and information in a systematic way to optimize efficiency and understanding
• Responsible to appropriately protect the confidentiality, security, and integrity of the Company’s systems and data and clients’ data
• Valid Driver’s License

Physical Requirements

• Positions in this class typically require climbing, balancing, stooping, kneeling, crouching, reaching, standing, walking, pushing, pulling, lifting, grasping, keyboarding, talking, hearing, seeing, and repetitive motions.
• Sedentary Work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and other sedentary criteria are met.

Completes work with a moderate degree of supervision. Solves moderately complex problems within established policies and procedures as well as government regulations. Unusual situations are referred to more experienced coworkers or a supervisor.

Additional Compensation:

Incentive & Other Discretionary Bonuses

Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law. CCPA Notice: California residents may have certain rights regarding their Personal Information under California law. To view the Colusa-Glenn Farm Credit CCPA Privacy Notice applicable to job applicants, employees, owners, directors, officers, and contractors of Colusa-Glenn Farm Credit, please visit the Colusa-Glenn Farm Credit Website at https://www.fcscolusaglenn.com/privacy-policy .