Senior Credit Analyst - Special Assets

POSITION: Senior Credit Analyst - Special Assets

LOCATION: TBD - Candidate could work from any of the branch locations which are located in Tremonton, Logan, Evanston, Roosevelt, Spanish Fork, Richfield, Cedar City or South Jordan.

COMPENSATION: Grade 14-15 ($80,000 - $115,000) Depending on education and experience, plus up to 15% additional performance based variable incentive compensation. Comprehensive benefits package also provided.

RESPONSIBILITY: Responsible for commercial and/or mortgage high risk, delinquent, or non-earning assets; prepares loan workout strategies and plans; analyzes and evaluates financial information; assesses risk levels; assists in the litigation process. Responsible for management and liquidation of acquired properties. Ensures reporting of financial analysis and loan classifications are accurate. Responsible to work directly with credit staff to ensure compliance with Borrower Rights. Monitor loan portfolio performance and make recommendations to manage risk through commodity guidance, lending standards, procedures and industry forecasts.

Prepares financial analysis, credit memos and loan monitoring of large, complex credits across the Association for both direct and syndicated loans. In consultation with account managers, develops realistic loan structures, monitors loan performance; validates and reconciles financial information utilized in the credit decision process and completes industry specific research to validate key financial metrics. Assist credit management in loan portfolio monitoring, reporting and other special credit projects.

Act as a member of the Association loan committees as assigned. Perform other duties as assigned.

QUALIFICATIONS:

• BA/BS degree with emphasis in accounting, agriculture or business.
• Require a minimum of four (4) years of experience in agribusiness credit analysis and loan portfolio management.
• Experience with high risk loan portfolio management preferred.
• Applicant must have the ability to analyze complex credits and commercial loan packages independently and exercise sound judgement.
• Demonstrated expertise in credit administration, financial and credit analysis, and problem resolution.
• Thorough understanding of financial accounting and financial statements, including complex consolidations, tax return analysis, borrowing base reports, global cash flow and reconciliations.
• Applicant must have a basic understanding of agriculture and possess good analytical, accounting, written and verbal communication skills.
• Mobility on unimproved properties and ability to lift 40 pounds or more required. Some travel required in performance of job.

GENERAL DATA: For over 100 years, the Association has been providing agricultural lending services to commercial and mortgage borrowers in Utah and portions of Wyoming, Nevada and Arizona.

FINAL FILING DATE: Applications will be accepted until the position is filled.

Date: February 13, 2024

We are an equal opportunity employer and all qualified applicants will receive consideration for employment

without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

EEO/AA Employer M/F/V/D