Senior Ag Credit Analyst

Job Summary
We are seeking a highly skilled and detail-oriented Senior Ag Credit Analyst to join our financial services team in the Upper Midwest. The ideal candidate will possess strong expertise in credit analysis, financial modeling, and risk assessment within the agricultural sector. This role involves evaluating loan applications, conducting comprehensive financial analysis, and supporting portfolio management to ensure sound credit decisions. The Senior Ag Credit Analyst will play a critical role in maintaining the integrity of our lending processes while providing strategic insights through quantitative research and financial report writing.

Principle 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.

Pay: $75,000.00 - $130,000.00 per year

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Parental leave
• Vision insurance

Work Location: Hybrid remote in Minneapolis, MN 55435