Ag Credit Analyst

Description

Security Financial Bank (SFB) is seeking an Ag Credit Analyst to join our team working out of the Eau Claire Administrative Offices or one of our branch locations.  This position may also be able to work from home if certain performance expectations are met.  SFB is a $500 million independent community bank with five branch locations in West Central Wisconsin.   

POSITION SUMMARY: Complete credit analysis and presentation functions to assist relationship managers in the credit approval and review processes to assess credit worthiness and appropriate risk rate level of new loan requests and ongoing loan portfolio relationships. This position will handle both agricultural and commercial related credits.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:

1. Spread and analyze agricultural and commercial financial information to ascertain overall credit risk through the input of data into spreadsheets and/or analysis software in an accurate and timely manner. Financial information includes personal financial and credit bureau information, business plans, financial projections, cash flow projections and pro-forma financial statements.
2. Prepare loan presentations, as assigned, in the appropriate format. To do so, the analyst must: 1) understand and utilize industry metrics to compare performance and risk status, 2) analyze proposed collateral structures and values, 3) assist in determining the proper structure of the credit to mitigate unnecessary risks and safeguard the bank’s asset quality and 4) pursue continued research and education in the commercial industry to achieve a high level of knowledge and understanding of current and future SWOT (Strengths, Weaknesses, Opportunities & Threats) matters and how the bank’s customers and loan portfolio may be affected by such environments.
3. Assign an accurate risk rating per policy directives.
4. Provide Relationship Manager (RM) support through assistance with file content management, technical exception monitoring and the collection of proper supporting information.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:

1. Pursuit of continued research and education in the agricultural industry to understand the strengths, weaknesses and challenges.
2. Other duties as may be assigned.

Qualifications

Education

• Bachelor’s degree in Business Finance or Accounting related studies is preferred

Experience

• Agricultural analysis background is a plus.

Other Skills and Abilities

• Working knowledge of financial accounting with the ability to spread and analyze financial statements, cash flows and tax returns from farms and agricultural related companies and individuals with moderate to complex structures to determine debt serviceability and credit worthiness.
• Understanding of company formation structures with ability to identify borrowing and guaranty structures.
• Understanding of loan structures including agricultural, commercial, commercial/agri real estate, consumer and residential mortgage.
• Knowledge of how credit requests affect other bank departments, such as Loan Processing and Credit Administration.
• Knowledge of credit investigations for companies and individuals including credit bureau reports, UCC filings, tax liens and other search tools.
• Solid understanding of market dynamics and economics.
• Ability to deal with customers and employees with tact, diplomacy and confidentiality.
• Well organized with a strong attention to detail.
• Strong communication skills, both written and verbal.
• Proficient in Finpak and TAC analysis software, Word, Excel, spreadsheet software and use of a financial calculator with strong math proficiency. Knowledge of the Jack Henry core system is a plus.
• Internal / External human relations skills.
• Ability and willingness to be a team player.
• Ability to work independently.
• Self-Starter.
• Knowledge of Bank regulatory procedures and regulations.
• Sound judgment and decision making abilities.

PERFORMANCE MEASURES:

• Compliance with regulatory requirements
• Successfully direct work flow in the department to utilize staff efficiently and ensure minimal backups of work

WORKING CONDITIONS:

• Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees.
• Occasional travel between offices and out-of-town/overnight business travel may be required.
• Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.

GENERAL NOTICE:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.