Senior Ag Credit Analyst

Thispersonreviewsloansinaccordance withthebank'sLoanPolicy and Guidelines.This person should have an extensive understandingofalltypesofcommercialandagriculturalcredits, along with the ability to make recommendations on how to minimize the bank's exposure and ensure that lending practices conform to established policy.

Qualifications: Thispersonshouldhaveabachelor’sdegree, plustenyears of work-related experience or the equivalent. Strong proficiency in project management is needed.Good communication skills, an aptitude toward detail, and understandingof all Loan Policy and Guidelines.

Principal Responsibilities:

• Analyzeandriskratemost complex creditlinesandcritiquethecredit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.

• Spread, analyze and review financial statements for highly complexcurrent and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested.  Calculate cash flow for more complex borrowers and guarantors.  Analysis may include projections, trends and ratio analysis.  Summarize and analyze findings in the bank’s written credit presentation.

• Prepare annual reviews on borrowing relationships in accordance with loan policy.

• Analyze the very intricate credit requests for the SBA portfolio.  

• Monitor covenant compliance with loan agreements.

• Providementoring and training less experienced staff.

• Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager or Loan Officer with a detailed explanation of the credit exceptionsandtherecommendedactionnecessarytocorrectthedeficienciesandimprove the bank's position.

• Intheeventofminortechnicaldocumentationdiscrepanciesoridentifiedpotentialcredit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines.Perform follow-up action as necessary until corrected.

• As needed, attendLoanCommitteemeetingswherecreditlinesarepresentedfor final approval, recommended action, and classification.

• Asrequired,performservicesandprojectsfor the department and the bank, 

• Attend Credit Department and other committee meetings as requested by management to participateindecisionsthataffectongoingandfutureoperationsofthedepartment.

• ActinaccordancewithFBTpoliciesandproceduresassetforthintheemployeehandbook.

• Adheretocomplianceproceduresandparticipateincompliancetraining.