Credit Analyst II

## Credit Analyst IIApply:
Fully Remote:
Home Office, Colorado, United States:
Home Office, Minnesota, United States:
Home Office, Utah, United States:
Home Office, Nebraska, United States:
Home Office, Washington, United States:
Full time:
Posted Today:
R1898
** Investing in You, join a 100-year-old, family-owned leader in Ag – and grow with us!
**** Wilbur-Ellis invests heavily in our employees by offering skill development and training, competitive compensation and benefits, and a tradition of promoting from within for a broad range of career opportunities. And we foster a supportive, people-first work environment.****“We know the confidence gap can get in the way of meeting spectacular candidates, so please don’t hesitate to apply — we’d love to hear from you.”
**** Role Overview:
** The Credit Analyst II supports the Senior Credit Analyst and Credit Managers in portfolio management, including underwriting large agricultural accounts, financial reporting, data analysis, asset discovery, and management of the accounts receivable portfolio from origination through collection. This role works across the enterprise with accounts nationwide and plays a key role in evaluating customer creditworthiness and repayment capacity. The position assists with large customer credit reviews through financial statement analysis, industry research, and business credit report evaluation.

The Credit Analyst II also supports risk management efforts while ensuring compliance with company policies and applicable regulations. Success in this role requires strong analytical skills, sound underwriting judgment, and effective cross-functional collaboration.
** A Sample of What You’ll Do in This Role:
*** Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000 and more.
* Evaluate repayment capacity and overall creditworthiness of potential and existing customers.
* Analyze borrower financial statements, tax returns, balance sheets, income statements, and cash flow reports.
* Conduct thorough credit reviews and provide informed underwriting recommendations.
* Consolidate and analyze customer financial and tax information to draw conclusions and support credit decisions.
* Run business and trade reports for potential and existing customers.
* Assist with large customer credit reviews by analyzing financial statements, industry trends, and business credit reports.
* Draft security agreements and UCC-1 filings and perform lien priority analysis in accordance with UCC rules.
* Support collections efforts by identifying and analyzing assets tied to past-due accounts.
* Assist Credit Specialists as needed.
* Maintain compliance with company documentation procedures and applicable laws and regulations.
* Manage multiple priorities while maintaining strong organization and analytical rigor.
* Communicate regularly with Credit Managers and the Director of Credit and Financing.
* Support portfolio management activities, financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection.
** What You Bring to the Role:
*** 2+ years of credit analysis, underwriting, banking, commercial finance, or agricultural lending experience
* Strong financial statement and cash flow analysis skills
* Knowledge of credit underwriting and risk assessment
* Intermediate analytical skills with the ability to interpret data and make informed decisions
* Desire to learn advanced underwriting and portfolio management skills
* Knowledge of risk management practices and the ability to maintain high standards while aligning with company credit policies
* Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
* Bachelor’s degree in finance,…