Credit Analyst - Agricultural; Hays, KS

Job Type: Full-Time (Salary)

Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service.

At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

Responsibilities and Expectations:

• Produce quality credit presentation /annual reviews for use by various Approval Authorities (Internal and External):
• Use customer-provided information to produce consistent financial spreads
• Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower
• Identifies material changes and / or trends in the balance sheet and income statement
• Completes deal specific and global cash flow analysis
• Identifies and analyzes the adequacy of the collateral securing the loan(s)
• Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the “true” position that Equity Bank maintains with respect to the credit facility(ies) under discussion
• Works on large, complex Agricultural loan relationships independently
• Covenant & Compliance measurements

Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service.

At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

Responsibilities and Expectations:

• Produce quality credit presentation /annual reviews for use by various Approval Authorities (Internal and External):
• Use customer-provided information to produce consistent financial spreads
• Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower
• Identifies material changes and / or trends in the balance sheet and income statement
• Completes deal specific and global cash flow analysis
• Identifies and analyzes the adequacy of the collateral securing the loan(s)
• Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the “true” position that Equity Bank maintains with respect to the credit facility(ies) under discussion
• Works on large, complex Agricultural loan relationships independently
• Covenant & Compliance measurements

General banking / credit related knowledge – Credit Analyst Agricultural will become familiar with and understand:

• Loan Policy, underwriting guidelines and credit procedures
• Agricultural lending / underwriting– including:
  Custom operators, cash grain, cow / calf, feed yards, dairy, hog & poultry operations
• Governmental Guarantee Programs - including:
  Farm Service Agency / US Small Business Administration / USDA
• Crop Insurance
• Farmer Mac
• Agricultural loan types and their uses in loan structuring – crop input loans, cattle loans, operating loans, borrowing base loans. farm equipment loans, real estate loan and land loans
• Loan documentation including security documents (UCCs, Agricultural Security…