Senior Credit Analyst

Fresno Madera Farm Credit; Fresno (CA); Sur place; USD 95 077 - 121 243; Plein temps

Avantages offerts par ce poste

Medical insurance

Vision insurance

401(k)

Résumé du poste

A regional financial services provider in Fresno is looking for a Senior Credit Analyst who will underwrite large loan applications, evaluate borrower creditworthiness, and mentor associate analysts. Candidates should have a bachelor's degree in finance and 3-5 years of experience in credit underwriting. The role offers competitive pay within a supportive team-oriented environment.

Qualifications

• 3-5 years of credit underwriting experience.
• Demonstrated knowledge of regulatory requirements.
• Skill in analyzing and interpreting complicated credit structures.

Responsabilités

• Evaluate borrower creditworthiness and analyze financial information.
• Prepare and present credit narratives to support decisions.
• Manage routine and complex servicing actions.

Connaissances

Credit analysis

Financial analysis

Communication

Mentoring

Formation

Bachelor's degree in finance or related field

Outils

Word

Excel

PowerPoint

Outlook

Description du poste

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Fresno Madera Farm Credit provided pay range

This range is provided by Fresno Madera Farm Credit. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$95,077.00/yr - $121,243.00/yr

Additional compensation types

Annual Bonus

Direct message the job poster from Fresno Madera Farm Credit

Fresno Madera Farm Credit is searching for a self-motivated, highly driven individual to join our fast-paced team environment. The Senior Credit Analyst will report directly to the Vice President, Director, Credit Administration and will be responsible for underwriting a portfolio of large and complex loan applications. Responsibilities include making recommendations, diligently using assigned delegated lending authority where applicable, and performing all aspects of underwriting – such as evaluating financial information, developing financial analyses, and interpreting and applying Association credit standards relevant to each application under consideration.

Loan Underwriting

• Evaluate borrower creditworthiness by reviewing loan officer recommendations, identifying policy gaps, and analyzing capital, capacity, collateral, character, and conditions.
• Develop financial projections and compare borrower performance to industry and core lending standards.
• Identify potential risks and recommend mitigating factors.
• Prepare clear, well-supported credit narratives and present findings to support decisions.
• Approve or deny credit applications and servicing actions within delegated authority; recommend decisions for requests exceeding authority.
• Propose loan structures and conditions to support approvals.
• Prepare and present materials to the credit committee for final approval.

Capital Markets and Participation Loan Underwriting

• Analyze financial information for potential participation loan purchases and credit offerings from external partners.
• Assess opportunities against Association underwriting standards.
• Prepare clear narratives summarizing findings and recommend appropriate participation levels.

Loan Servicing

• Manage routine and complex servicing actions, including annual reviews, loan increases, extensions, and partial releases of collateral or liability.
• Review borrower submissions for compliance with loan covenants.
• Serve as a mentor to Associate Credit Analysts, providing training, guidance, and constructive feedback.

Credit Administration

• Collaborate with lending staff to establish appropriate loan terms, conditions, and structures.
• Evaluate credit processes and recommend improvements to enhance efficiency.

Special Projects

• Identify and implement process improvement opportunities.
• Provide subject matter expertise and support team training initiatives.

Knowledge, Skills, and Abilities:

• Demonstrated knowledge of credit analysis and regulatory requirements
• Working knowledge of Word/ Excel/ PowerPoint/ Outlook sufficient to create, update and save a variety of documents
• Skill in analyzing and interpreting complicated credit and loan structures to determine credit risk
• Skill in balancing logic and intuition to make sound decisions in a timely manner
• Skill in making business decisions using a systematic, evaluative, information-based approach rooted in ethics and social responsibility
• Skill in identifying key issues and relationships relevant to achieving long range goals or vision
• Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
• Skill in mentoring developing staff
• Skill in creating and delivering effective presentations

Minimum Qualifications:

• Bachelor's degree in finance, accounting or related field
• 3-5 years of credit underwriting experience
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Physical Requirements:

• Positions in this class typically require keying, talking, hearing, seeing, and repetitive motions.
• Sedentary Work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and other sedentary criteria are met.
• The employee is required to have close visual acuity to perform an activity such as preparing and analyzing data and figures; transcribing; viewing a computer screen; and/or extensive reading.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

_______________________________________________________________

ABOUT US

Established in 1917, Fresno Madera Farm Credit, headquartered in Fresno, provides quality credit and financial services in California’s Central Valley. Our mission is to provide access to credit and related services to farmers and ranchers in our region. As an efficient organization, FMFC delivers quality service with people that are passionate about creating the best possible customer experience for the generations of farmers and ranchers that we proudly serve. Fresno Madera Farm Credit offers competitive compensation packages and excellent benefit programs. We have a team-driven, performance-focused culture, with a strong focus on customer service, and fulfilling our mission to agriculture.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Analyst

• Industries

  Banking

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Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

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