Credit Risk & Underwriting Analyst (Agriculture)

Wilbur-Ellis; Minnesota; In loco; USD 65.000 - 90.000; Tempo pieno

Vantaggi offerti da questo lavoro

Annual bonus

Vacation & holidays

Health/dental/vision

Mental health benefits

401(k) with up to 7% employer-contrib

Descrizione del lavoro

Wilbur-Ellis in Minnesota seeks a Credit Analyst II to support Senior Credit Analyst and Credit Managers in portfolio management, underwriting large agricultural accounts, financial reporting, data analysis, and AR management from origination through collection.

The role handles nationwide accounts, evaluates creditworthiness and repayment capacity, conducts financial statement analyses, and supports risk management while ensuring compliance with policies.

Competenze

• 2+ years of credit analysis or related experience.
• Strong financial statement and cash flow analysis skills.
• Knowledge of credit underwriting and risk assessment.
• Analytical skills to interpret data and inform decisions.
• Knowledge of risk management and adherence to credit policies.
• Proficiency with MS Office (Word, Excel, Outlook).
• Bachelor’s degree in finance, accounting, business, or agriculture-related field preferred.

Mansioni

• 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.

Conoscenze

Credit analysis

Underwriting

Financial statement analysis

Cash flow analysis

Risk assessment

Analytical thinking

Data interpretation

Excel proficiency

MS Office

Formazione

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

Strumenti

Microsoft Word

Microsoft Excel

Microsoft Outlook

Descrizione del lavoro

Wilbur-Ellis in Minnesota seeks a Credit Analyst II to support Senior Credit Analyst and Credit Managers in portfolio management, underwriting large agricultural accounts, financial reporting, data analysis, and AR management from origination through collection.

The role handles nationwide accounts, evaluates creditworthiness and repayment capacity, conducts financial statement analyses, and supports risk management while ensuring compliance with policies.