Credit Analyst (Entry To Senior)

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 to join our Credit Department in Tempe, AZ. This full-time position reports to the Senior VP Regional Underwriter and collects, reviews, and analyzes various financial documents used in loan structures and approvals.

Compensation Information
The Base Salary for this position is $56,000 - $82,000, depending on experience. Position is eligible for an annual incentive program in addition to the base compensation.

Job Requirements

The Credit Analyst (Entry to Senior) performs a variety of functions including, but not limited to:

• Advanced ability to use spreadsheet, word processing, and database applications
• Knowledge of financial modeling techniques and preparation of pro forma financial statements
• Solid understanding of credit underwriting policies, procedures, processes, collateral valuation, and documentation
• Knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
• Ability to incorporate information from many sources to identify underwriting risks and articulate a concise recommendation
• Excellent interpersonal, negotiation, presentation, oral and written communication skills
• Knowledge of complex lending, financial structuring and credit arrangements, and bank products
• Ability to spread financial information, including: balance sheet, tax return, borrower- or accountant-prepared statements
• Ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations
• Solid understanding of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law

Minimum Requirements

• Strong computer skills and experience with Microsoft Office suites, specifically with Excel
• Generally, requires a bachelor’s degree in Agribusiness, Business, Accounting, Economics or related field with 0-3 years of relevant work experience. (Relevant experience may be substituted for education)

Preferred Requirements

• Possess proven, effective problem-solving skills as well as effective negotiating and influencing.
• Agricultural Credit Analysis experience
• Strong decision-making skills as well as strong interpersonal, communication, customer service and team skills.
• Broad knowledge of credit and financing and the ability to analyze all components on standard and complex credits.

Benefits Offered by AgWest

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

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

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.