About this role
Credit analysis and portfolio support for agricultural and agribusiness clients. Analyzes financial information to support credit decisions, prepares financial spreads, cash flow analyses, collateral evaluations, and credit memorandums for loans and ongoing portfolio management.
Key Responsibilities
- prepare financial spreads and cash flow analyses
- assess borrower repayment capacity
- evaluate collateral structures
- draft credit memorandums for new loans and amendments
- monitor covenant compliance and portfolio performance
Technical Overview
Proficiency with financial spreading tools and credit systems; knowledge of agricultural lending, collateral structures, and underwriting; ability to monitor covenants and analytical reporting.
Ideal Candidate
The ideal candidate is a mid-level agricultural credit analyst with a bachelor's degree (or equivalent) and 1+ years of underwriting experience, capable of analyzing financial statements, spreading financials, and assessing collateral for agribusiness clients.
Must-Have Skills
Bachelor’s degreeor equivalent work experiencetwo or more years of related experienceproficiency with financial spreading tools and credit systems
Nice-to-Have Skills
knowledge of agricultural lending and agribusiness operationsspreading and analyzing agricultural financial statementsunderstanding collateral structures in agribankingfamiliarity with credit policyrisk ratingscovenant monitoring
Tools & Platforms
Microsoft Excelfinancial spreading toolscredit systems
Required Skills
Bachelor’s degreeor equivalent work experience; typically two or more years of related experience; agricultural lending; agribusiness; financial spreads; cash flow analysis; collateral evaluation; underwriting; portfolio management; covenant monitoring
Hard Skills
Bachelor’s degreeor equivalent work experiencetwo or more years of related experienceagricultural lendingagribusiness operationsfinancial spreading toolscash-flow-based borrowing capacitycollateral structurescredit policyrisk ratingscovenant monitoringportfolio managementspreading toolscredit systemstax returns analysisunderwriting
Soft Skills
analyticalorganizationalwritten communicationindependenceteam collaborationattention to detail
Keywords for Your Resume
Bachelor’s degreeor equivalent work experienceTypically two or more years of related experienceagricultural lendingagribusiness operationsspreading and analyzing agricultural financial statementscash-flow-based borrowing capacitycollateral structurescredit policyrisk ratingscovenant monitoringportfolio managementfinancial spreading toolscredit systemstax returns analysisunderwritingrelationship managersagribusinessfinancial statement analysiscash flow analysisspreading toolscredit underwritingcollateral evaluation
Deal Breakers
Bachelor’s degree or equivalent not satisfied, No experience in agricultural lending or agribusiness
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