Senior Credit Analyst

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This range is provided by Fresno Madera Farm Credit. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

$95,077.00/yr - $/yr

Annual Bonus

Direct message the job poster from Fresno Madera Farm Credit

Fresno Madera Farm Credit is searching for a self-motivated, highly driven individual to join our fast-paced team environment. The Senior Credit Analyst will report directly to the Vice President, Director, Credit Administration and will be responsible for underwriting a portfolio of large and complex loan applications. Responsibilities include making recommendations, diligently using assigned delegated lending authority where applicable, and performing all aspects of underwriting – such as evaluating financial information, developing financial analyses, and interpreting and applying Association credit standards relevant to each application under consideration.

Loan Underwriting

• Evaluate borrower creditworthiness by reviewing loan officer recommendations, identifying policy gaps, and analyzing capital, capacity, collateral, character, and conditions.
• Develop financial projections and compare borrower performance to industry and core lending standards.
• Identify potential risks and recommend mitigating factors.
• Prepare clear, well-supported credit narratives and present findings to support decisions.
• Approve or deny credit applications and servicing actions within delegated authority; recommend decisions for requests exceeding authority.
• Propose loan structures and conditions to support approvals.
• Prepare and present materials to the credit committee for final approval.

Capital Markets and Participation Loan Underwriting

• Analyze financial information for potential participation loan purchases and credit offerings from external partners.
• Assess opportunities against Association underwriting standards.
• Prepare clear narratives summarizing findings and recommend appropriate participation levels.

Loan Servicing

• Manage routine and complex servicing actions, including annual reviews, loan increases, extensions, and partial releases of collateral or liability.
• Review borrower submissions for compliance with loan covenants.
• Serve as a mentor to Associate Credit Analysts, providing training, guidance, and constructive feedback.

Credit Administration

• Collaborate with lending staff to establish appropriate loan terms, conditions, and structures.
• Evaluate credit processes and recommend improvements to enhance efficiency.

Special Projects

• Identify and implement process improvement opportunities.
• Provide subject matter expertise and support team training initiatives.

Knowledge, Skills, and Abilities
:

• Demonstrated knowledge of credit analysis and regulatory requirements
• Working knowledge of Word/ Excel/ PowerPoint/ Outlook sufficient to create, update and save a variety of documents
• Skill in analyzing and interpreting complicated credit and loan structures to determine credit risk
• Skill in balancing logic and intuition to make sound decisions in a timely manner
• Skill in making business decisions using a systematic, evaluative, information-based approach rooted in ethics and social responsibility
• Skill in identifying key issues and relationships relevant to achieving long range goals or vision
• Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
• Skill in mentoring developing staff
• Skill in creating and delivering effective presentations

Minimum Qualifications
:

• Bachelor's degree in finance, accounting or related field
• 3-5 years of credit underwriting experience
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Physical Requirements
:

• Positions in this class typically require keying, talking, hearing, seeing, and repetitive motions.
• Sedentary Work:
  Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or…