Position Summary:
Primary role is to evaluate credit risk, analyze financial data, perform due diligence, ensure compliance with lending protocols, and provide portfolio monitoring & management support. Serves as a resource to lenders, contributes to credit decisioning, and ensures standardize processes and credit quality across the organization.
Supervisory Authority: None
Working Relationships – Internal: Works closely with loan officers, credit department, loan support, and loan leadership. Collaborates across departments to support credit quality, improve processes, and ensure consistent underwriting standards.
Working Relationships – External: Supports lenders in maintaining strong customer relationships through accurate and timely credit analysis. May participate in customer meetings with lenders as needed.
Education/Experience:
Bachelor’s degree in Finance, Accounting, Agricultural Business, or related field preferred. 1-3+ years of experience in credit analysis, lending, or related banking functions preferred. Experience analyzing commercial credits is preferred; experience with agricultural lending is beneficial.
MAJOR DUTIES – ESSENTIAL
1. Credit Analysis & Underwriting
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Review inputs in financial spreads and ensure accuracy, completeness, and consistency of data.
- Analyze borrower financials, tax returns, and repayment capacity.
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Ensures accurate risk ratings
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Contribute to credit presentations & reviews.
- Loan Structuring & Credit Quality
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Collaborate with loan officers to develop sound, risk-appropriate credit solutions.
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Provide guidance on loan structure and ensure strong underwriting.
3. Portfolio Management & Review
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Oversee portfolio monitoring & management needs to ensure compliance with covenants & loan requirements.
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Review problem credits with lenders.
4. Lender Support & Collaboration
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Serve as a credit partner for lenders.
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Assist with ensuring proper compliance with loan files and documentation.
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Undertake special projects relating to departmental or other organizational services as assigned by Director of Lending.
5. Process Improvement & Systems
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Contributes to improvements in templates, workflows, and assistance with loan software (i.e. FINPACK) transition and enhancements.
- Be actively engaged in the development and implementation of annual strategic plan.
This job description is intended to describe the general nature and level of work performed. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications. Duties may change or be reassigned as business needs evolve.
COMPETENCIES – MAJOR ACCOUNTABILITIES
- Analytical skills: Ability to gather, interpret, and evaluate financial and non-financial information to identify trends, risks, and opportunities. Demonstrates strong critical thinking by breaking down complex data and forming well-supported conclusions that aid decision-making.
- Attention to Detail: Demonstrates a high level of accuracy and thoroughness in all work. Carefully reviews financial data, documentation, and processes to identify errors, inconsistencies, or missing information, ensuring reliable and compliant outcomes.
- Communication: Effectively conveys ideas, analyses, and recommendations both verbally and in writing. Adapts communication style to the audience, clearly explaining complex financial concepts in a way that supports understanding and informed decision-making.
- Sound Judgment: Applies critical thinking and experience to make well-reasoned decisions, particularly in situations involving risk and ambiguity. Evaluates alternatives, considers potential impacts, and recommends appropriate actions aligned with bank policies and risk tolerance.
- Integrity and Confidentiality: Maintains the highest ethical standards in all activities. Handles sensitive customer and company information with discretion and in accordance with regulatory and organizational requirements. Demonstrates honesty, trustworthiness, and accountability.
