Credit Analyst

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 Oregon Lending and Insurance department in Salem. This full-time position reports to the SVP, Credit and assists in providing sound, constructive credit and related services, typically supporting a portfolio of simple to moderately complex credit relationships.

After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend. Employees are expected to continue working from their office location a minimum of 50% or 60% of the time depending on location.

Compensation Information

The base salary range for this position in Salem, Oregon is :

Level I : Typical starting range : $58,500 - $78,300 Full base salary range : $58,500 - $88,200 Annual performance-based incentive target is 10% of base.

Level II : Typical starting range : $64,600 - $86,500 Full base salary range : $64,600 - $97,500 Annual performance-based incentive target is 12% of base.

Level III : Typical starting range : $70,800 - $97,500 Full base salary range : $70,800 - $122,100 Annual performance-based incentive target is 15% of base.

Job Requirements

• Gather financial and business-related information from customers, prospects and other available resources through personal interviews, phone interviews, and other informational resources.
• Analyze basic financial statements, including opinions and notes, tax records, "in house" prepared financial and pro forma statements.
• Prepare credit analysis and make recommendations to appropriate management for review.
• Comply with documentation expectations, procedures, laws, and regulations.
• Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch or customer locations.
• Effectively participate in the Large Loan process as needed to provide high quality products, to be delivered within the agreed time frames and within the risk parameters acceptable to the organization.
• Complete in-person farm visits, collateral inspections and document observations including but not limited to visually inspecting the condition and valuation of loan collateral.
• Conduct research of agricultural and related industries and commodities to determine viability, trends, and opportunities for the organization to strengthen its position.
• Establish rapport with and develop / maintain 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, credit bureau reports, employment, and income and asset and liability verification.
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• Ensure effective and accurate credit administration through coordination with relationship managers and others.
• Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry customer educational events.
• Effectively work with customers and collaborate with other teams to make referrals and cross-sell products, to meet customer needs.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
• Other duties as assigned.

Minimum Requirements

Preferred Requirements

Benefits Offered by AgWest

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

Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications / licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law.

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.

When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.

To comply with federal regulations for equal employment opportunity and affirmative action (EEO / AA), we track our applicants by gender, race / ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.

For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.