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Senior Credit Analyst

Company: American AgCredit
Location: Turlock
Posted on: August 21, 2019

Job Description:

We are looking for a Senior Credit Analyst to join us in Turlock, CA!

We are seeking an experienced anaylitcal proffesional who can help maintain our undwriting today but will play a key role in bringing our underwritng processes to new levels in the future!

Who is American AgCredit?

Our mission is simple--- Be the best lender to Agriculture. In order to deliver on that statement, we have the best people working for us. Headquartered in Santa Rosa, California, with offices throughout California, Colorado, Kansas, Nevada and Oklahoma, we have been serving all segments of the agricultural business for over 100 years!

Benefits offered by American AgCredit:

  • Commitment to agriculture and our communities we serve
  • Family friendly work environment
  • Investment in employee growth, development and training
  • Medical, Dental and Vision coverage
  • Outstanding 401k - up to 9% matching!
  • Generous Vacation Leave (starting at 15 days)
  • 15 Paid Sick Days
  • 11 Paid Holidays
  • Competitive Incentive Compensation Plan
  • Disability & Life Insurance
  • Employee fitness and wellness benefits.
  • Free Soda, Coffee and Snacks!


    This position is generally responsible for analyzing and evaluating financing requests of corporate agriculture accounts, which includes: (i) general business and economic analyses; (ii) financial analysis and modeling; (iii) business valuations; (iv) processing loan applications and credit report writing. The position requires preparation and presentation of credit reports to account officers or committees. The position includes a broad range of servicing and monitoring responsibilities, including assisting account officers with account servicing, credit administration, and loan documentation.


    1) Develops credit information for use by account officers or committees in making lending decisions on new loans, renewal loans and miscellaneous loan servicing actions. Co-sponsors credit requests with account officer.

    2) Reviews all pertinent credit and financial information; determines the need for more thorough investigation or additional information; analyzes financial statements, forecasts and related material; prepares summaries, presents facts, and offers opinions concerning credit-worthiness. Prepares complete credit reports.

    3) Assists in preparation and editing of information memorandums, term sheets and related documents. May relay information to and answer questions from participating lenders.

    4) Performs credit administration, account servicing (including but not limited to, compliance and Borrowing Base validation and monitoring and periodic financial reviews), development, packaging, loan closing, documentation, and monitoring.

    5) Maintains control over current accounts, noting payment progress and monitoring other trends. Keeps account officers informed of trends and compliance with covenants.

    6) Assists in the preparation of general business and economic research and analysis; provides statistical reports, and verifies information.

    7) Develops spreadsheets and other automated tools for credit analysis, special projects, or presentations.

    8) Assists in collateral control activities including but not limited to, inventory analysis and verification, and accounts receivable maintenance and verification.

    Perform other functions assigned.


    Generally exercises no supervision. Makes independent decisions; works under general direction of the Vice President or designee.


    1) BA/BS degree in finance, business or related field. Familiar with accounting principles, and banking policies, procedures and processes.

    2) Minimum of five years of experience in credit/financial analysis.

    3) Demonstrated skills in cash flow, balance sheet, profitability, liquidity, and solvency analysis.

    4) General knowledge of agriculture and/or agribusiness.

    5) Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats. Working knowledge of Excel or similar spreadsheet and analytical software.

    6) Demonstrated proficiency in organizing and prioritizing work to meet deadlines.

    7) Knowledge of FCA regulations, association and district policies and procedures.

    8) Strong written and verbal communication skills.

    9) Strong persuasive and interpersonal skills.

    10) Proficient in the use of PC, including word processing, e-mail and electronic spreadsheet software.


    All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

    Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work.


Keywords: American AgCredit, Arden-Arcade , Senior Credit Analyst, Professions , Turlock, California

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