Senior Ag Credit Analyst

Fishback Financial Corporation; Arizona; On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Healthcare benefits

401(k) & ESOP

Wellness program

Education reimbursement

Volunteer service hours

In-house childcare & preschool

Job summary

Fishback Financial Corporation in Arizona seeks an experienced Credit Risk Analyst to review and risk-rate complex commercial and agricultural credits in line with Loan Policy and Guidelines.

The role requires a bachelor’s degree and about ten years of related experience, plus strong project management, communication, attention to detail, and policy knowledge to support sound lending decisions and policy compliance. You will mentor junior staff and participate in loan committee discussions.

Qualifications

• Bachelor's degree and ten years of related work experience or equivalent.
• Strong project management skills and attention to detail.
• Understanding of Loan Policy and Guidelines.

Responsibilities

• Analyze and risk-rate complex credit lines per policy and guidelines.
• Review financial statements, credit reports, and tax returns for borrowers.
• Monitor covenant compliance with loan agreements and evaluate exceptions.
• Prepare and present loan files for approval or action by committees.
• Mentor and train less experienced staff and participate in training sessions.
• Attend Credit Department and committee meetings as requested.

Skills

Project management

Communication

Attention to detail

Loan policy knowledge

Education

Bachelor's degree

Job description

Job Description

This person reviews loans in accordance with the bank's Loan Policy and Guidelines. This person should have an extensive understanding of all types of commercial and agricultural credits, along with the ability to make recommendations on how to minimize the bank's exposure and ensure that lending practices conform to established policy.

Qualifications: This person should have a bachelor’s degree, plus ten years of work‑related experience or the equivalent. Strong proficiency in project management is needed. Good communication skills, an aptitude toward detail, and understanding of all Loan Policy and Guidelines.

Principal Responsibilities

Analyze and risk rate most complex credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies. Spread, analyze and review financial statements for highly complex current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested. Calculate cash flow for more complex borrowers and guarantors. Analysis may include projections, trends and ratio analysis. Summarize and analyze findings in the bank’s written credit presentation. Prepare annual reviews on borrowing relationships in accordance with loan policy. Analyze the very intricate credit requests for the SBA portfolio. Monitor covenant compliance with loan agreements. Provide mentoring and training less experienced staff. Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager or Loan Officer with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position. In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected. As needed, attend Loan Committee meetings where credit lines are presented for final approval, recommended action, and classification. As required, perform services and projects for the department and the bank, Attend Credit Department and other committee meetings as requested by management to participate in decisions that affect ongoing and future operations of the department. Act in accordance with FBT policies and procedures as set forth in the employee handbook. Adhere to compliance procedures and participate in required compliance training.

Compensation Grade

Salary Grade 7

Equal Opportunity

First Bank & Trust is an Equal Opportunity, Aff…

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran.

Read our complete Equal Employment Opportunity Policy Statement.

Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email [e-mail].

Our Benefits

• Comprehensive Healthcare Benefits Peace of mind when it comes to you and your family's well-being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance.
• 401(k) & ESOP Profit Sharing Employees are owners. Receive a match of up to 7% of your contributions to your retirement account.
• Wellness Program The Healthy Way Program incentivizes gym membership and hosts educational programs and challenges throughout the year.
• Education Student loan repayment assistance program. Tuition reimbursement. A robust internal training program that goes beyond onboarding. We want you to continue learning. That's why we offer job shadowing, a mentorship program, and more.
• Volunteer Service Hours Paid time to volunteer. Employees get 16 hours to take part in and donate their time to local charities.
• In-house Childcare & Preschool Kid's World childcare and preschool in Brookings is available for the children and grandchildren of employees.

Our Culture

We invest in our people: Our communities have contributed to the success of our business and our families. In turn, this allows us to contribute to the success of our communities. We have remained an independent community institution over the years and employ almost 700 people. Our employees are like family (they’re also part owners). Not only is working for us rewarding, but you’ll also be a part of a positive culture and company that gives back to the community. Our employees value our culture and work hard to keep it top of mind at all times. Employees rally around 9 core principles, creating a collaborative and enjoyable work experience for all. During the onboarding process, all new employees attend a culture camp, which is led by the CEO and the Chairman of the Board.

Work for us

Our employees enjoy working together and treat eachother (and customers) like family. Check out our career opportunities, and join a company that cares about its people and community.