Credit Analyst

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System - the leading provider of credit to American agriculture.

AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.

We are in search of a Credit Analyst I, II, or III to join our Credit Resolution department in Tulare, California. This full-time position reports to the VP, Credit Resolution and assists in servicing distressed and/or high-profile loans and acquired properties and provides high quality, profitable and constructive credit and related activities.

This position is eligible for a hybrid work schedule and one-time home office stipend after initial training period.

Compensation Information

The base salary range for this position in Tulare, California is:

Level I: $64,000 - $97,500; bonus at target is 10% of salary.

Level II: $70,800 - $107,700; bonus at target is 12% of salary.

Level III: $780,000 - $122,100; bonus at target is 15% of salary.

Job Requirements

• Service existing accounts by meeting with and receiving information from customers.
• Complete customer visits and document observations. This requires visually inspecting the condition and value of loan collateral, evaluating the customer's management practices and expected repayment.
• Make quality credit decisions to ensure customer service, a high-quality loan portfolio and loan administration. Monitor loan performance and service assigned accounts.
• Prepare credit analysis and submit recommendations to supervisor or loan committee for action. Approve loans within delegated authority.
• Gather financial information through interviews in person and by phone, read audited financial statements, legal opinions, tax records and other financials. Comply with organization documentation expectations, procedures, laws and regulations.
• Service assigned accounts with the objective of providing efficient customer service and maximizing the return on troubled assets through proactive servicing and timely coordination with other divisions and portfolio groups.
• Establish rapport with and develop confidence of customers and prospective customers.
• Accurately classify and identify appropriate charge-offs/reserves, cash income accounting and allowances on assigned loans.
• Assist in credit investigations on applicants including Public Record searches, CBI reports, employment and income verification and asset and liability verification.
• Review loan documents prior to closing to ensure appropriate documentation is completed. May participate in loan closings.
• Ensure a high degree of credit administration by developing and implementing sales/servicing plans and coordinating actions with financial specialists.
• Communicate with other divisions and portfolio groups and ensure timely transfers between divisions and portfolio groups to meet customer service needs and organization objectives.
• Support customer relationships to ensure profitability of assigned portfolio.
• Value real estate, personal property and other collateral following assigned procedures. Visually inspect the property and assign a value based on organization guidelines.
• Represent and communicate the values, purpose, and mission of the organization to employees, customers, the public and other target audiences. This may include joining or actively supporting appropriate agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programs.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
• Other duties as assigned.

Minimum Requirements

• Bachelor's degree in business, ag-related field, or an equivalent experience.
• Knowledge of organization policies and procedures, loan programs and financially related services.
• Knowledge of local agricultural practices and crop and livestock production.
• Knowledge of business technology and data processing applications.
• Knowledge of collateral appraisal fundamentals.
• Knowledge of banking laws and regulations.
• Ability to perform credit analysis and draw appropriate conclusions.
• Ability to understand and interpret financial statements and credit documents.

Preferred Requirements

• Agricultural background.
• Advanced knowledge of AgWest's policies and procedures.
• Advanced knowledge of AgWest's products and services and how they are delivered.

Benefits Offered by AgWest

• Medical, dental, and vision insurance
• Basic term life and AD&D insurance (fully paid for by the company)
• Paid days off annually: 15 vacation*, 15 sick, 11 holidays and 3 volunteer
• 401(k) plan (6% match plus 3% employer contribution)
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!

*Vacation accrual rates increase with tenure.

Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits

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Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.