Senior Credit Analyst

AgAmerica Lending LLC; Lakeland (FL); À distance; USD 75 000 - 110 000; Plein temps

Résumé du poste

AgAmerica Lending LLC is seeking a Senior Analyst to join our fast-paced lending team. This role supports collateral evaluation and credit risk analysis for all loans, interfaces with external clients for due diligence, and helps prepare credit packages for approval.

Reporting to Associate Director, Lending, the Senior Analyst will be detail-oriented, with strong communication, and adaptability to changing needs. A background in lending and financial analysis is essential.

Qualifications

• Bachelor’s degree in Business, Economics, Finance, Accounting or Agriculture.
• 3+ years of commercial credit analysis or lending experience.
• Experience in agricultural or real estate lending preferred.
• Strong Excel and basic accounting knowledge; analytical mindset.

Responsabilités

• Collect and analyze collateral data and borrower information.
• Coordinate due diligence with clients and stakeholders.
• Prepare collateral appraisal requests and credit packages.
• Ensure credit policy compliance and proper risk rating.
• Clearly communicate findings during underwriting.
• Assist with pre-closing process and closing documentation.
• Other duties as assigned.

Connaissances

Excel

Credit analysis

Lending experience

Communication skills

Formation

Bachelor’s degree in Business/Economics/Finance/Accounting/Agriculture

Description du poste

AgAmerica Lending is one of the nation’s leading non-bank agricultural lenders, providing customized financing solutions to farmers, ranchers, and rural landowners across the United States. Our strength lies in our people—a team united by deep agricultural expertise, a collaborative mindset, and a shared commitment to serving Rural America. Together, we help our clients strengthen their operations and build for the future.

JOB SUMMARY

AgAmerica is seeking a Senior Analyst to join our fast-paced lending team. This individual will be responsible for assisting with the collateral evaluation and credit risk analysis for all loans underwritten by the Lending department as well as ongoing portfolio management of agricultural real estate loans. This person will interface with external clients to collect due diligence information, facilitate collateral evaluation, and analyze credit information to prepare credit packages for submission for credit approval. This individual will report to a senior member of the Lending team. This individual will be a detail-oriented self-starter with strong communication and interpersonal skills along with a strong knowledge of lending and financial analysis. The ideal candidate will have a pleasant demeaner and an ability to adapt to changing business needs and have a solution-oriented mindset.

JOB DETAILS

• Position Type: Full-time (Remote or Lakeland, FL)
• Compensation: Salary negotiable based on experience, competitive benefits package, and bonus opportunity.
• Reports to: Associate Director, Lending

JOB RESPONSIBILITIES

• Active member of a deal team focused on collecting all the necessary information to analyze the underlying collateral land and determine the financial condition and credit worthiness of loan applicants
• Interact directly with external clients to collect, organize, and review borrower, guarantor, collateral, and transaction due diligence information including identifying missing items and coordinate follow-up with both internal and external stakeholders
• Prepare and engage appraisal bid requests to evaluate collateral
• Ensure loans adhere to credit policy, are properly risk rated, and are priced according to risk
• Clearly communicate findings during underwriting process both orally and in writing
• Assist with the pre-closing process by confirming satisfaction of underwriting requirements, tracking outstanding conditions, and coordinating documentation and information needed for closing
• Other duties as assigned.

PREFERRED QUALIFICATIONS

• Bachelor’s degree in Business, Economics, Finance, Accounting or Agriculture; preferred
• 3+ years of commercial credit analysis, commercial lending, underwriting, or portfolio management experience; agricultural or real estate lending experience preferred.
• Basic knowledge of real estate industry
• Extensive knowledge of Excel and basic accounting principles
• Excellent analytical skills
• Detail-oriented and highly organized individual with the ability to multi-task
• Fluency in Microsoft Office suite (Outlook, Excel, Word, PowerPoint, etc.)

CORE COMPETENCIES

• Excellent written and oral communication skills
• Excellent organizational and communication skills
• Ability to multitask and manage competing priorities in a fast-paced environment
• Proven analytical ability for medium to high level complexity credits
• Comfortable in a high-growth, fast-paced environment
• Strong interpersonal and communication skills, highly motivated and proactive
• Ability to demonstrate good attitude, energy, and effort
• Commitment to data-driven program evaluation

TRAVEL AND PHYSICAL REQUIREMENTS

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.
• Occasional travel may be required

AGAMERICA MISSION

• To know the farmer.
• To counsel the farmer.
• To provide a financial structure that allows the farmer to thrive in good times and to sleep well during tough times.
• To celebrate the critical role of the farmer in America, and to champion all that the American farmer represents in a changing world.