Credit Analyst

GreenStone Farm Credit Services; Little Chute, Northern (WI, KY); Hybrid; USD 60,000 - 85,000; Full time

Benefits offered by this job

Vacation days (15)

Sick days (12)

Paid holidays (12)

401(k) with employer match (up to 9%)

Parental leave

Wellness subsidy

Student debt repayment program

Yearly bonus

Job summary

GreenStone Farm Credit Services is seeking an experienced Credit Analyst to join our capital markets team in the Midwest, including Grand Rapids, East Lansing, or Little Chute. You will play a key role in credit approvals for high-impact loan requests and help ensure sound, compliant decisions.

The ideal candidate has a bachelor’s degree in business or related field, GAAP knowledge, and 1+ year of credit analysis experience.

Qualifications

• Bachelor’s degree in business, accounting, agriculture business management or related field.
• Knowledge of GAAP accounting principles.
• 1+ years in credit analysis/underwriting, financial services, or agricultural lending experience.
• Deep understanding of credit analysis underwriting, risk assessment and financial modeling on larger, more complex requests.
• Strong analytical and problem-solving skills.
• Exceptional attention to detail and accuracy.
• Excellent communication and teamwork abilities.

Responsibilities

• Detailed Analysis: Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
• Financial Analysis: Conduct comprehensive financial analysis, evaluate GAAP financial statements, review and sensitize projected financial models, and compile comparative data using market comps or credit standards. Utilize the five C’s of credit to assess creditworthiness.
• Loan Narratives: Prepare and present detailed loan narratives that provide a comprehensive view of the applicant's capital, capacity, collateral, conditions, key risks, mitigants, and recommendations for approvals.
• Portfolio Management: Assist in portfolio management by monitoring company performance and specific loan covenants, ensuring borrowers meet their financial obligations.
• Legal Documentation: Review legal documentation associated with loan requests to ensure that credit terms align with our risk appetite and credit policies, reducing risks and maintaining consistency.
• Market Insights: Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions.
• Collaboration: Work closely with cross-functional teams to ensure that customer requests are processed efficiently through closing.

Skills

GAAP knowledge

Credit analysis

Financial modeling

Analytical thinking

Attention to detail

Communication

Teamwork

Education

Bachelor's degree in business/ accounting / agriculture business management or related field

Job description

We are seeking an experienced Credit Analyst to join our capital markets team in one of the following locations: Grand Rapids-MI, East Lansing-MI or Little Chute-WI. Remote work arrangements would be considered, depending on qualifications. In this role, you will be at the forefront of the credit approval process, offering your expertise on high impact loan requests. Your contributions will directly impact the soundness and comprehensiveness of our credit decisions, ensuring the financial well-being of the communities we serve.

What can we offer you?

GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.

GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:

• 15 vacation days, 12 sick days, and 12 paid holidays per year
• 401(k) plan – up to a 9% employer contribution/match
• Paid Parental leave
• $400/year Wellness Subsidy/Reimbursement & wellness programs
• $6,000 lifetime maximum Student Debt repayment program or tuition assistance
• Yearly bonus/incentive opportunity available to all employees

Get to know GreenStone

Our $16 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.

Culture

Core Four values steer everything we do at GreenStone. Customer First, Delivery Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.

Day in the life of a Credit Analyst

• Detailed Analysis: Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
• Financial Analysis: Conduct comprehensive financial analysis, evaluate GAAP financial statements, review and sensitize projected financial models, and compile comparative data using market comps or credit standards. Utilize the five C’s of credit to assess creditworthiness.
• Loan Narratives: Prepare and present detailed loan narratives that provide a comprehensive view of the applicant's capital, capacity, collateral, conditions, key risks, mitigants, and recommendations for approvals.
• Portfolio Management: Assist in portfolio management by monitoring company performance and specific loan covenants, ensuring borrowers meet their financial obligations. Your role is critical to safeguarding the organization's interests.
• Legal Documentation: Review legal documentation associated with loan requests to ensure that credit terms align with our risk appetite and credit policies, reducing risks and maintaining consistency.
• Market Insights: Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions. Your knowledge will be invaluable in adapting to evolving financial landscapes.
• Collaboration: Work closely with cross-functional teams to ensure that customer requests are processed efficiently through closing. Your collaboration will help ensure that our customers receive the support and financial solutions they need in a timely manner.

What Experience do you bring?

• Bachelor’s degree in business, accounting, agriculture business management or related field.
• Knowledge of GAAP accounting principles
• 1+ years in credit analysis/underwriting, financial services, or agricultural lending experience
• Deep understanding of credit analysis underwriting, risk assessment and financial modeling on larger, more complex requests.
• Strong analytical and problem-solving skills.
• Exceptional attention to detail and accuracy.
• Excellent communication and teamwork abilities.

GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.

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