Credit Analyst

HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for a Credit Analyst to work alongside their team in Paducah, KY.

POSITION SUMMARY

Performs independent analysis of loan requests for the purpose of recommending approval, denial, or alternate structures while noting any deviations from loan policy. Assists in the development of procedures and processes to support the objectives of the position and provides analytical support to the lending team.

PRIMARY WORK LOCATION

• Paducah, Kentucky

REPORTS TO

• Credit Administrator

SUPERVISORY RESPONSIBILITIES

• None

MINIMUM EDUCATION AND EXPERIENCE

• Bachelor’s degree (Master’s preferred) in Finance, Accounting, Business, Economics, or a related field; or six to eight years of progressively responsible experience in credit analysis or commercial lending.
• Proven experience performing financial statement analysis, ratio interpretation, and cash flow evaluation for commercial or agricultural borrowers.
• Familiarity with agricultural finance, including farm operations, agribusiness, or rural lending, preferred.
• Excellent analytical, problem-solving, and organizational skills.
• Demonstrated knowledge of loan underwriting, credit structuring, and risk assessment principles.
• Strong understanding of lending policies, procedures, and regulations within the Farm Credit System or comparable financial institutions.
• Experience preparing detailed credit memorandums and written analyses for management or loan committees.
• Ability to analyze borrower performance trends, identify strengths and weaknesses, and make sound recommendations.
• Proficiency in Microsoft Excel and other financial modeling or data analysis tools, with a high degree of accuracy and attention to detail.
• Ability to communicate complex financial concepts clearly, both verbally and in writing, to internal and external stakeholders.

PREFERRED QUALIFICATIONS

• Exceptional skills in judgment, leadership, initiative, and organization.
• Self-starter with the ability to make sound business decisions.
• Ability to assume responsibility with minimal supervision.
• Exercises initiative and makes decisions within the scope of assigned authority.
• Adapts to changes in the work environment and manages competing demands effectively.

MINIMUM POSITION RESPONSIBILITIES

Position responsibilities averaging approximately 40% of the workload:

• Analyze borrower financial statements, including performance ratios, to assess overall financial strength and identify trends or weaknesses.
• Prepare and review in-depth written credit analyses for relationships of varying size and complexity.
• Collaborate with loan officers to discuss alternative loan structures, overall assessments, and turnaround requirements.

Position responsibilities averaging approximately 40% of the workload:

• Assist in managing the workflow of credit packages between loan officers and the credit decision process.
• Communicate effectively with loan officers to ensure timely, accurate, and complete submissions.
• Review loan packages to confirm they align with internal policies and the Credit Manual.

Position responsibilities averaging approximately 20% of the workload:

• Conduct research on industry-specific information from external sources, including borrower discussions, publications, libraries, credit agencies, and online resources.
• Stay informed about agricultural and economic trends that may affect borrower creditworthiness.

BENEFITS OF WORKING WITH US

• Competitive Salary
• Performance Based Bonus (Incentive Pay)
• Generous PTO (Vacation and Sick Time)
• 12 Paid Holidays
• Medical, Dental, and Vision Insurance
• 401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
• Company Provided Life Insurance
• Disability Coverage

QUESTIONS?

• Email Talent@HRConsulting.llc

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health savings account
• Life insurance
• Paid time off
• Professional development assistance
• Retirement plan
• Vision insurance

Application Question(s):

• Do you currently live within commuting distance of Paducah, Kentucky?
• Do you have a bachelor’s degree (or higher) in Finance, Accounting, Business, Economics, or a related field?
• How many years of experience do you have in credit analysis, commercial lending, or financial statement analysis?
• Do you possess experience reviewing financial statements, calculating ratios, and assessing cash flow specifically for commercial or agricultural borrowers?
• Do you have experience with loan underwriting or credit structuring? If so, please include examples of the types or sizes of loans you’ve analyzed.
• This position supports lending to farmers and agribusiness clients. What exposure or experience do you have with agricultural lending or rural finance?
• What software tools or systems have you used to perform credit analyses and financial analyses?
• Describe your experience preparing credit memorandums or written credit analyses. What types of borrowers or loan portfolios have you worked with?
• Do you have experience working with secured loans or reviewing collateral documentation (UCC filings, appraisals, etc.)?
• Have you worked in a regulated financial environment such as Farm Credit, a bank, or another cooperative lender?
• Do you have any personal or professional background in agriculture, agribusiness, or rural communities?
• Are you currently employed, and if so, what is your notice period before you could transition to this role?
• This position requires the successful completion of a background check, employment verification, and possibly a drug screen. Please confirm that you are comfortable with these requirements and indicate if you have any concerns or questions about this process.
• This role offers a base salary of approximately $50,000 annually, depending on experience. Is that within your acceptable range?
• Thank you for taking the time to complete our pre-screening questionnaire. Please tell us a little about YOU!

Work Location: In person