Senior Ag Credit Analyst

• Review loans in accordance with the bank's Loan Policy and Guidelines
• Analyze and risk-rate complex credit lines and critique credit classifications assigned by Loan Officers
• Ensure credit analysis is consistent with regulatory agency findings
• Spread, analyze, and review financial statements for complex current and prospective borrowers across various industries
• Calculate cash flow for complex borrowers and guarantors, including projections, trends, and ratio analysis
• Summarize findings in the bank's written credit presentation
• Prepare annual reviews of borrowing relationships
• Analyze intricate credit requests for the SBA portfolio
• Monitor covenant compliance with loan agreements
• Mentor and train less experienced staff
• Present credit exceptions and recommendations to the Credit Analyst Manager or Loan Officer
• Communicate with Loan Officers and the Credit Analyst Manager regarding documentation discrepancies and credit weaknesses
• Follow up until identified issues are corrected
• Attend Loan Committee meetings as needed
• Perform department and bank services and projects as required
• Attend Credit Department and other committee meetings as requested by management
• Act according to First Bank & Trust policies and procedures
• Adhere to compliance procedures and complete required compliance training

• Bachelor's degree plus ten years of work-related experience or equivalent
• Extensive understanding of commercial and agricultural credits
• Strong proficiency in project management
• Good communication skills
• Attention to detail
• Understanding of the bank's Loan Policy and Guidelines
• Ability to analyze and risk-rate complex credit lines
• Ability to spread, analyze, and review financial statements, tax returns, credit reports, and related reporting
• Ability to calculate cash flow, projections, trends, and ratio analysis
• Knowledge of SBA portfolio credit requests
• Ability to monitor covenant compliance with loan agreements
• Ability to mentor and train less experienced staff

Demonstrates extensive expertise in analyzing and risk-rating complex credit lines, financial statements, and cash flow for commercial and agricultural credits. Proficient in mentoring staff and ensuring compliance with bank policies and regulatory standards.

• Credit Analysis
• Financial Statement Review
• Cash Flow Calculation
• Project Management
• Mentoring Staff

• Credit Risk Assessment
• Financial Analysis
• Ratio Analysis
• SBA Portfolio Knowledge
• Covenant Compliance Monitoring

• Communication Skills
• Attention to Detail

• Loan Policy
• Credit Classifications
• Loan Agreements
• Regulatory Compliance
• Credit Presentation