Credit Analyst - Agricultural

Agricultural Credit Analyst

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 Agreements, Real Estate Mortgages)
• Real estate appraisals and evaluations
• Environmental Reports

Manage Relationships with Loan Officers:

• Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews that are under discussion in a timely manner
• In conjunction with the Loan Officer contacts customers, CPAs and advisors when needed
• Confirm all credit applications/annual reviews with officers in order to present the Approval Authorities with the best, most accurate product so that they can make an educated decision on the loan(s) under discussion

Customer Relationships:

• Utilize written and oral communication skills to relay and acquire information to and from customers, CPAs and advisors.
• Develop and maintain a positive professional image for Equity Bank.
• Create a friendly, customer service image to customers.

Reports and Responsibilities
- Manage Other Related Projects as assigned, including:

• Financial Covenant Monitoring / Approval.
• Borrowing Base Certificate Monitoring / Approval.
• Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned.

Understand and follow the applicable laws and regulations for job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity Reporting ("SAR") requirements.

Other Duties and Tasks as assigned.

Industry Skills/

Qualifications/Requirements:

• Ag CA I & CA II
  - Bachelor's Degree, or equivalent experience, required. Emphasis on Agricultural Business, Finance and Accounting
• Ag CA II
  - Two to five years of experience, as a credit analyst, or equivalent experience
• Advanced Training & Development The Senior Credit Analyst Agriculture will have participated in and obtained certification in credit related programs including RMA and Agricultural Banking School
• Excellent interpersonal skills and professional manner
• Computer skills, especially the ability to work in Windows based systems

Benefits:

We believe your benefits are an important part of…