Job Description
Join AgriCredit Financial Services as a Senior Credit Analyst and lead our credit evaluation team in California's thriving agricultural hub. We offer a premium compensation package, comprehensive benefits, and career advancement opportunities for top-tier financial professionals.
As a key member of our Commercial Lending division, you'll analyze complex credit applications for agricultural and commercial enterprises, ensuring our portfolio maintains exceptional risk-adjusted returns while supporting local economic growth.
Responsibilities
- Conduct comprehensive creditworthiness assessments for commercial and agricultural borrowers
- Prepare detailed credit memos with risk mitigation strategies and financial projections
- Monitor existing loan portfolios and recommend portfolio adjustments
- Collaborate with relationship managers to structure optimal credit solutions
- Ensure compliance with federal and state lending regulations
- Lead cross-functional credit committees with data-driven recommendations
- Develop predictive models for default probability in agricultural sectors
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience
- Advanced proficiency in financial modeling and Excel
- Expertise in agricultural lending and risk assessment
- Strong understanding of FICO scoring and credit bureau data
- Proven ability to interpret complex financial statements
- CFRP or CFA designation highly desirable
- Experience with credit underwriting software (e.g., Moody's Analytics)