Senior Credit Analyst

Senior AnalystAgAmerica Lending is one of the nation's leading non-bank agricultural lenders, providing customized financing solutions to farmers, ranchers, and rural landowners across the United States. Our strength lies in our people—a team united by deep agricultural expertise, a collaborative mindset, and a shared commitment to serving Rural America. Together, we help our clients strengthen their operations and build for the future.AgAmerica is seeking a Senior Analyst to join our fast-paced growing team.

This individual will be responsible for assisting with the collateral evaluation and credit risk analysis for all loans underwritten by the Lending department as well as ongoing portfolio management of existing credits. This person will interface with external clients to collect due diligence information, facilitate collateral evaluation, and analyze credit information to prepare credit packages for submission for credit approval. This individual will report to a senior member of the Lending team.

This individual will be a detail-oriented self-starter with strong communication and interpersonal skills along with a strong knowledge of lending and financial analysis. The ideal candidate will have a pleasant demeaner and an ability to adapt to changing business needs and have a solution-oriented mindset.Job DetailsHire Date: ASAPPosition Type: Full-time (Remote or Lakeland, FL)Compensation: Salary negotiable based on experience, competitive benefits package, and bonus opportunity.Benefits: Flexible work schedule, generous time off, health/dental/vision insurance, 401k program, fun work environment.Reports to: Associate Director, LendingJob ResponsibilitiesActive member of a deal team focused on collecting all the necessary information to analyze the underlying collateral land and determine the financial condition and credit worthiness of loan applicantsInteract directly with external clients to collect, organize, and review borrower, guarantor, collateral, and transaction due diligence information including identifying missing items and coordinate follow-up with both internal and external stakeholdersPrepare and engage appraisal bid requests to evaluate collateralEnsure loans adhere to credit policy, are properly risk rated, and are priced according to riskClearly communicate findings during underwriting process both orally and in writingAssist with the pre-closing process by confirming satisfaction of underwriting requirements, tracking outstanding conditions, and coordinating documentation and information needed for closingOther duties as assigned.Preferred QualificationsBachelor's degree in Business, Economics, Finance, Accounting or Agriculture; preferred3+ years of credit analysis or portfolio management experienceBasic knowledge of real estate industryExtensive knowledge of Excel and basic accounting principlesExcellent analytical skillsDetail-oriented and highly organized individual with the ability to multi-taskFluency in Microsoft Office suite (Outlook, Excel, Word, PowerPoint, etc.)Core CompetenciesAcute attention to detailExcellent written and oral communication skillsExcellent organizational and communication skillsAbility to multitask and manage competing priorities in a fast-paced environmentProven analytical ability for medium to high level complexity creditsComfortable in a high-growth, fast-paced environmentEffective communication across departmentsStrong interpersonal and communication skills, highly motivated and proactiveAbility to demonstrate good attitude, energy, and effortCommitment to data-driven program evaluationTravel and Physical RequirementsProlonged periods of sitting at a desk and working on a computer.Must be able to lift up to 15 pounds at times.Occasional travel may be requiredAgAmerica MissionTo know the farmer.To counsel the farmer.To provide a financial structure that allows the farmer to thrive in good times and to sleep well during tough times.To celebrate the critical role of the farmer in America, and to champion all that the American farmer represents in a changing world.