Credit Analyst

Job description :

• HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for a  Credit Analyst  to work alongside their team in  Paducah, KY.
• POSITION SUMMARY 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 :

Position responsibilities averaging approximately 40% of the workload :

Position responsibilities averaging approximately 20% of the workload :

Email Talent@HRConsulting.llc Job Type :