Credit Analyst

Credit Analyst

Performs independent analysis of loan requests for the purpose of recommending approval, denial, or alternate structures while noting any deviations from loan policy. Assists in the development of procedures and processes to support the objectives of the position and provides analytical support to the lending team.

Primary Work Location

Paducah, Kentucky

Reports To

Credit Administrator

Supervisory Responsibilities

None

Minimum Education And Experience

Bachelor's degree (Master's preferred) in Finance, Accounting, Business, Economics, or a related field; or six to eight years of progressively responsible experience in credit analysis or commercial lending.

Proven experience performing financial statement analysis, ratio interpretation, and cash flow evaluation for commercial or agricultural borrowers.

Familiarity with agricultural finance, including farm operations, agribusiness, or rural lending, preferred.

Excellent analytical, problem-solving, and organizational skills.

Demonstrated knowledge of loan underwriting, credit structuring, and risk assessment principles.

Strong understanding of lending policies, procedures, and regulations within the Farm Credit System or comparable financial institutions.

Experience preparing detailed credit memorandums and written analyses for management or loan committees.

Ability to analyze borrower performance trends, identify strengths and weaknesses, and make sound recommendations.

Proficiency in Microsoft Excel and other financial modeling or data analysis tools, with a high degree of accuracy and attention to detail.

Ability to communicate complex financial concepts clearly, both verbally and in writing, to internal and external stakeholders.

Preferred Qualifications

Exceptional skills in judgment, leadership, initiative, and organization.

Self-starter with the ability to make sound business decisions.

Ability to assume responsibility with minimal supervision.

Exercises initiative and makes decisions within the scope of assigned authority.

Adapts to changes in the work environment and manages competing demands effectively.

Minimum Position Responsibilities

Position responsibilities averaging approximately 40% of the workload :

• Analyze borrower financial statements, including performance ratios, to assess overall financial strength and identify trends or weaknesses.
• Prepare and review in-depth written credit analyses for relationships of varying size and complexity.
• Collaborate with loan officers to discuss alternative loan structures, overall assessments, and turnaround requirements.

Position responsibilities averaging approximately 40% of the workload :

Position responsibilities averaging approximately 20% of the workload :

Benefits Of Working With Us

Questions? Email Talent@HRConsulting.llc