Job Details
Qualifications
- Bachelor's degree
- Communication skills
- Lending
- Microsoft Excel
- Microsoft Office
- Word processing
Benefits
- 401(k) 6% Match
- AD&D insurance
- Dental insurance
- Health insurance
- Wellness program
Job Description
AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System – the leading provider of credit to American agriculture.
AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.
We are in search of a Credit Analyst to join our Credit Department in Tempe, AZ. This full-time position reports to the Senior VP Regional Underwriter and collects, reviews, and analyzes various financial documents used in loan structures and approvals.
Compensation Information
The Base Salary for this position is $56,000 - $82,000, depending on experience. Position is eligible for an annual incentive program in addition to the base compensation.
Job Requirements
The Credit Analyst (Entry to Senior) performs a variety of functions including, but not limited to:
Ability to spread financial information, including: balance sheet, tax return, borrower- or accountant-prepared statements
Knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
Solid understanding of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law
Knowledge of financial modeling techniques and preparation of pro forma financial statements
Ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations
Ability to incorporate information from many sources to identify underwriting risks and articulate a concise recommendation
Knowledge of complex lending, financial structuring and credit arrangements, and bank products
Solid understanding of credit underwriting policies, procedures, processes, collateral valuation, and documentation
Advanced ability to use spreadsheet, word processing, and database applications
Excellent interpersonal, negotiation, presentation, oral and written communication skills
Minimum Requirements
Generally, requires a bachelor’s degree in Agribusiness, Business, Accounting, Economics or related field with 0-3 years of relevant work experience. (Relevant experience may be substituted for education)
Strong computer skills and experience with Microsoft Office suites, specifically with Excel
Preferred Requirements
Agricultural Credit Analysis experience
Broad knowledge of credit and financing and the ability to analyze all components on standard and complex credits.
Strong decision-making skills as well as strong interpersonal, communication, customer service and team skills.
Possess proven, effective problem-solving skills as well as effective negotiating and influencing.
Benefits Offered by AgWest
Medical, dental, and vision insurance
Basic term life and AD&D insurance (fully paid for by the company)
Paid time off (including vacation, sick leave, holidays, and volunteer time)
401(k) plan (6% match plus 3% employer contribution)
Employee Assistance Program
Wellness Program
Jeans are welcome at work every day at AgWest!
Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits
Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.
When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.
To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.
For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.