Credit Analyst II

wilburellis; United States; Remote; USD 61,000 - 82,000; Full time

Job summary

Wilbur-Ellis, a 100-year-old family-owned leader in agriculture, seeks a Credit Analyst II to support senior credit staff in underwriting large agricultural accounts and managing the AR portfolio. You will analyze financial statements, tax returns, and industry trends to inform credit decisions, while ensuring compliance with company policies and regulations.

Ideal candidates have 2+ years in credit analysis or related fields, strong Excel skills, and a collaborative approach to cross-functional

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 data interpretation
• Willingness to learn advanced underwriting and portfolio management

Responsibilities

• Analyze large agricultural accounts for creditworthiness, typical limits >$500,000
• Evaluate repayment capacity and creditworthiness of customers
• Analyze financial statements, tax returns, balance sheets, income statements, cash flow reports
• Conduct credit reviews and provide underwriting recommendations
• Assist with large customer credit reviews via industry trends and reports
• Draft security agreements and UCC-1 filings, lien priority analysis
• Support collections by identifying assets tied to past-due accounts
• Maintain compliance with policies and regulations
• Communicate with Credit Managers and Director of Credit and Financing
• Assist with portfolio management, financial reporting, data analysis, and AR from origination through collection

Skills

Credit analysis

Underwriting

Financial analysis

Cash flow analysis

Communication

Education

Bachelor's degree in finance or related field

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Job description

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,