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Job Juncture: Agricultural Credit Analyst

Job Juncture

This is a Full-time position in Ringgold, GA posted September 12, 2020.

Underwriter AgLendingDuties:Capacity to independently formulate well written approval presentations, including what is being requested, why it is being requested, the business and/or industry involved, the background and history of the business, risk and mitigating factors.

Such presentations should also justify assigned risk rating and show the Bank policies, procedures and regulations are met.Assist Ag Commercial Relationship Manager (ACRM) in handling workflow through a pipeline process with regard to the ranking of new prospects, modifications, renewals/upcoming maturities, etc.Interact with clients to safeguard reception of financial information essential to support the underwriting process of commercial Agricultural loans.Accompany Ag Commercial RM on client and prospect calls in concurrence with conclusion of the underwriting process of loans.Review third party reports including real estate appraisals, property condition and environmental reports, field exams and or property inspections and environmental investigations.Assist in training new team members which may include Ag lending underwriters, relationship officers, and administrative support personnel.Capacity to conduct comprehensive review of balance sheet, income statement, other financial information, tax returns, business plans and projections to determine, independently that the borrower can produce income and cash flow adequate to repay existing and proposed debt.Maintain a network of financial and legal professionals to back the knowledge essential to complete any essential analysis.Participate in all required training for complianceSustain adequate controls to safeguard compliance with consumer protection statutes/regulations in a defined area of responsibilityUnderwriter Ag LendingThe Underwriter is tasked withtheexecution of financial analysis and underwriting for loan transactions under supervision of the President.

The incumbent is fully expected to deliver clear, succinct and accurate financial analysis and risk assessment for new and current clients.

The role is also tasked withsuccessfully cooperating and building collaborative relationships with additional banking specialists including but not limited to; commercial relationshipmanagers, credit officers, appraisers, and examiners.Requirements:Required:Robust analytical, organizational and multi-tasking skills.Vigorous interpersonal skills and effective communication skills, both written and verbal.Proficient in Microsoft Office programs and familiarity with financial spreading software.Position may require the need to travel to other offices or client locations.Clearly communicate risk criteria, respond objectively and with confidence when challenged and include supervisor as appropriate.Minimum 5+ years of experience in commercial credit analysis with demonstrated skills in areas such as cash flow and financial analysis.Bachelor’s degree in business with a major in finance or accounting.