Mortgage Credit Analyst jobs in Saginaw, MI

Are you an experienced Credit Analyst looking for a dynamic and fulfilling career opportunity in the agriculture lending space? Greenstone Farm Credit Services invites you to be a part of our growing family and make a real impact on the communities we serve.

We are seeking an experienced Credit Analyst to join our team in Bay City, MI. In this role, you will be at the forefront of the credit approval process, offering your expertise on medium to moderately large loan requests. Your contributions will directly impact the soundness and comprehensiveness of our credit decisions, ensuring the financial well-being of the communities we serve.

Working Hours: Enjoy a consistent schedule of 8am-4:30pm, Monday – Friday providing you with a stable work-life balance.

Location: This position is primarily in office in Bay City, MI with the potential of up to 2 days remote in the future. Options can be discussed during the interview process.

Get to know GreenStone

Our $14 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.

Culture

Core Four values steer everything we do at GreenStone. Customer First, Deliver Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.

What can we offer you?

GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.

GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:

• 15 vacation days, 12 sick days, and 12 paid holidays per year
• 16 hours of volunteer time
• Paid parental leave
• 401(k) plan – up to a 9% employer contribution/match
• Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.
• $150/year Logo Wear allowance
• $400/year Wellness Subsidy/Reimbursement & wellness programs
• $6,000 lifetime maximum Student Debt repayment program
• Yearly bonus/incentive opportunity available to all benefit eligible employees

Day in the life of a Credit Analyst

• Detailed Analysis: Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
• Financial Analysis: Conduct comprehensive financial analysis, evaluate earnings data, prepare income projections, and compile comparative data using similar farms or credit standards. Utilize your skill in ratio analysis to assess creditworthiness.
• Loan Narratives: Prepare and present detailed loan narratives that provide a comprehensive view of the applicant's capital, capacity, collateral, conditions, key risks, mitigants, and recommendations for approvals. You may also contribute to the character section.
• Portfolio Management: Assist in portfolio management by monitoring specific loan covenants and ensuring borrowers meet their financial obligations. Your role is critical to safeguarding the organization's interests.
• Legal Documentation: Review legal documentation associated with loan requests to ensure that credit terms align with our risk appetite and credit policies, reducing risks and maintaining consistency.
• Market Insights: Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions. Your knowledge will be invaluable in adapting to evolving financial landscapes.
• Collaboration: Work closely with cross-functional teams to ensure that customer loan applications are processed efficiently through closing. Your collaboration will help ensure that our customers receive the support and financial solutions they need in a timely manner.

What Experience can you Bring?

• Bachelor’s degree in business, accounting, agriculture business management or related field.
• Deep understanding of credit analysis underwriting, risk assessment and financial modeling on larger, more complex requests.
• Strong analytical and problem-solving skills.
• Exceptional attention to detail and accuracy.
• Excellent communication and teamwork abilities.

What will set you Apart?

• 1 years in credit analysis/underwriting, financial services, or agricultural lending experience.
• Agriculture background
• Knowledge of GAAP accounting principles.
• Experience with commercial lending concepts, terminology, and commercial credit analysis

GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.