Credit Analyst Jobs

Fresno Madera Farm Credit is searching for a self-motivated, highly driven individual to join our fast paced team environment. This position requires an individual interested in participating in a credit culture that is focused on consistent improvement, and focused execution of team objectives. Credit Analysts are responsible for executing our credit underwriting process which requires a sound knowledge of credit fundamentals, and the ability to work together with others to get results. Our culture encourages a focus on identification of key credit factors including verification of the borrowing cause, repayment sources, and key credit risks.

Credit Administration

• Makes suggestions to improve credit processes to improve efficiency, and increase customer satisfaction.
• Participates in the loan committee process as a voter.
• Demonstrates the ability to understand member financial statements and related documentation as well as create financial projections with reasonable well-tested assumptions.
• Responsible for clarifying credit requests against established credit policy and applying the underwriting process which culminates with a written credit report.
• Ability to identify strengths and weaknesses in repayment ability, capital, liquidity, loan structure, and management capability.
• Create reports that summarize the underwriting effort in a way that consistently demonstrates a concise, clinical arrangement of the relevant facts needed to focus loan committee discussion on the appropriate factors necessary to make a loan decision.
• Support the Relationship Management team by serving as a backup on customer service issues; provide services to internal departments and external customers; complete routine loan servicing and loan file maintenance.
• Understanding of production agriculture lending, and commercial agribusiness lending, including related risks.
• Assist with the review of loan documentation to ensure uniformity with the approved loan application.

Knowledge, Skills, and Abilities:

• Demonstrated ability to get results in a team setting, and in working with others in various functions and disciplines. These abilities must include strong customer service skills; capable of consistently delivering results that focus on identified internal and external customer needs.
• Outstanding customer service skills to promote and support a service-oriented culture.
• Strong deductive and critical thinking skills, as well as strong written and verbal communication abilities.
• Ongoing interest in skill refinement, and interest in learning.

ABOUT US

Established in 1917, Fresno Madera Farm Credit provides quality credit and financial services in California’s Central Valley, headquartered in Fresno. Our mission is to provide access to credit and related services to farmers and ranchers in our region as an efficient organization that delivers service with people that are passionate about creating the best possible customer experience to the generations of farmers and ranchers that we proudly serve. Fresno Madera Farm Credit offers competitive compensation packages and excellent benefit programs. We have a team driven, performance focused culture, with a strong focus on customer service, and fulfilling our mission to Agriculture.

Salary Range: DOE

Minimum 75,000 Maximum 90,000

Submit cover letter and resume by email to [email protected]. Contact Christi Divine at (559) 277-7000 for questions and additional information.