Credit Analyst II

WECO Wilbur-Ellis Company LLC; Colorado; Híbrido; USD 61.000 - 82.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

401(k) matching

Medical coverage

Dental coverage

Vision coverage

Paid vacation

Work-life balance

Descripción de la vacante

WECO Wilbur-Ellis Company LLC in the United States seeks a Credit Analyst II to support Senior Credit Analysts and Credit Managers in portfolio management, underwriting large agricultural accounts, and risk assessment.

You will analyze financial statements, tax returns, and cash flows, prepare underwriting recommendations, and assist with collections and lien analysis while ensuring compliance and cross-functional collaboration.

Formación

• 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.
• Proficiency in Microsoft Office including Excel, Word, and Outlook.

Responsabilidades

• Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000 and more.
• 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.
• 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.
• Maintain compliance with company documentation procedures and applicable laws and regulations.
• Communicate regularly with Credit Managers and the Director of Credit and Financing.

Conocimientos

Credit analysis

Financial statement analysis

Cash flow analysis

Risk assessment

Microsoft Office

Educación

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

Herramientas

Excel

Word

Outlook

Descripción del empleo

Investing in You, join a 100-year-old, family-owned leader in Ag – and grow with us! Wilbur-Ellis invests heavily in our employees by offering skill development and training, competitive compensation and benefits, and a tradition of promoting from within for a broad range of career opportunities. And we foster a supportive, people-first work environment.

Role Overview:

The Credit Analyst II supports the Senior Credit Analyst and Credit Managers in portfolio management, including underwriting large agricultural accounts, financial reporting, data analysis, asset discovery, and management of the accounts receivable portfolio from origination through collection. This role works across the enterprise with accounts nationwide and plays a key role in evaluating customer creditworthiness and repayment capacity. The position assists with large customer credit reviews through financial statement analysis, industry research, and business credit report evaluation. The Credit Analyst II also supports risk management efforts while ensuring compliance with company policies and applicable regulations. Success in this role requires strong analytical skills, sound underwriting judgment, and effective cross-functional collaboration.

A Sample of What You’ll Do in This Role:

• Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000 and more.
• 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.
• Support portfolio management activities, financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection.

What You Bring to the Role:

• 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
• Desire to learn advanced underwriting and portfolio management skills
• 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

Your Digital & Technology Capabilities:

• Proficiency in Microsoft Office applications, including Excel for financial analysis, reporting, and data management
• Ability to leverage data analytics, reporting tools, and business intelligence insights to support credit decisions and portfolio management activities
• Comfortable adopting new technologies, including digital collaboration platforms, workflow automation tools, and AI-powered solutions such as Microsoft Copilot to improve efficiency and decision-making

What Makes You a Great Fit:

• You are able to establish rapport and develop confidence with co-workers and cross-functional partners when collaboration is essential
• You have an understanding of seasonal cash flow patterns and working capital needs within agricultural operations
• You have excellent written and verbal communication skills
• You can effectively solve problems and make sound business decisions
• You are detail-oriented and committed to accuracy
• You can successfully manage multiple tasks and priorities in a fast-paced environment
• You bring a positive approach with an emphasis on providing timely responses to requests
• You enjoy working in a collaborative environment while supporting credit, underwriting, and portfolio management objectives

Compensation and Benefits:

In compliance with all states and cities requiring transparency of pay, the base compensation for this position ranges from $61,100 - $81,510. Note that salary may vary based on location, skills, and experience. This position is eligible for an annual discretionary bonus and vacation, holidays, health, dental, vision, mental health, and retirement plan participation, including an employer contribution of up to 7% into your 401(k).

Follow this link for more information regarding Wilbur-Ellis employee benefits: https://mywebenefits.com/

Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.

Our Commitment to Diversity & Inclusion:

Diversity of people, cultures, opinions, and ideas makes us all stronger. From leadership commitment to employee buy-in, we know that creating an inclusive environment and providing opportunities for all employees to reach their full potential is a shared responsibility.

Wilbur-Ellis is a company you can be proud to call your employer Wilbur-Ellis markets and distributes agricultural products, animal feed specialty chemicals, and food ingredients.

A privately held and consistently profitable company, we employ more than 4,000 people throughout North America and Asia-Pacific.

Wilbur-Ellis is for and about people Wilbur-Ellis has enjoyed over 100 years of success and growth, all thanks to our people.

Our employees are both leaders and team players who thrive on creativity, entrepreneurial spirit, and a dedication to quality work, our customers, and each other.

Wilbur-Ellis invests in the industry’s best workforce Wilbur-Ellis invests heavily in our employees by offering skill development and training, competitive compensation and benefits, and a tradition of promoting from within for a broad range of career opportunities.

And we foster a supportive, people-first work environment.

Each and every employee contributes to our shared success.

Join a team where YOU matter: Your unique experience, your values, your ideas, your goals, your contributions, your wellbeing, your family, your future, your community, your career and your growth.

Employee Benefits:

• Take home a competitive salary and benefits you and your family deserve – from 401(K) matching, medical, dental and vision coverage, paid vacation, work-life balance and more.

Purpose & Values:

Our purpose is to provide the essentials for the world to thrive. No matter your role, every Wilbur-Ellis employee makes a real difference.

Talent Development:

When you grow, we all grow. We’ll help you forge your own career pathway through continuous learning and skills development, mentorship programs, growth opportunities, business resource groups and career coaching.

A Culture That Cares:

We are one of the largest family-owned, privately held companies in the world – which means as an employee you can enjoy the best of both worlds: The flexibility and close-knit culture of an independent company with the resources and reputation of 100+ years of business.

Diversity & Inclusion:

We strive to build diverse teams and cultivate an environment where everyone feels welcome and is treated fairly. We believe that the inclusion of all backgrounds and ideas makes us stronger and creates a community of belonging.