What are the responsibilities and job description for the Sr. Capital Markets Credit Analyst position at Farm Credit?
Now hiring a Sr. Capital Markets Credit Analyst.
The Sr. Capital Markets Credit Analyst will be responsible for analyzing credit information and independently preparing complete credit packages for purchased participation credits in accordance with the Association's underwriting standards, credit philosophies, policies, and procedures. May also assist with originated credit packages as work-flow and capacity allows. They are also responsible for completing all documents, including projections and analyses, and making clear and appropriate recommendations for new loan offerings, refinances, and renewals. Processing loan treatments, such as waivers, amendments, financial reviews, and miscellaneous servicing requests. Performing timely credit analysis to evaluate and identify risks for credit actions in sufficient depth to make proper recommendations to Loan Committee. Coordinating with external relationships with participation partners including agent banks, Farm Credit Banks and Associations, and commercial banks. Position may be in office or remote.
Responsibilities:
Works independently to complete credit analyses with appropriate documentation and credit risk identification.
Ensures credit analysis clearly and concisely explain the credit request, analyzes the financial information for strengths and weaknesses, evaluates compliance with underwriting standards and makes recommendations regarding constructive terms, controls, and financial covenants.
Demonstrates skillful use of differential analysis in determining documentation requirements and developing Loan Analyses Summaries.
Ongoing monitoring of customer's financial situation, loan performance, repayment ability, loan controls and financial covenants.
Takes corrective action by corresponding and documenting the lead lender's responses to delinquent accounts.
Presents loan actions effectively to Loan Committee or the appropriate delegated authority level depending on risk profile and commitment exposure.
Coordinates with Loan Officers on assigned tasks, including loan analysis, counter-party risk assessments, industry assessments, portfolio reporting, and other miscellaneous duties as requested.
Provides backup support to the credit administration analyst, as needed.
Maintains a satisfactory Credit Administration rating on loans assigned for underwriting/restructure.
Accurately and timely classifies loans using risk ratings; Probability of Default (PD) and Loss Given Default (LGD) with consideration of third-party ratings and/or Farm Credit System Lead's risk rating classification.
To qualify for this position, candidates should possess the following:
Education: Bachelor's degree in Business Administration, Agriculture, Economics or Finance, or related field or equivalent work experience. Farm Credit experience is a plus.
Experience: Minimum of six (6) years of agricultural and/or commercial credit analysis experience or related experience. Knowledge of Farm Credit system a plus.
Other Skills and Abilities:
Strong attention to detail and analytical skills.
Ability to use discretionary judgment in making sound decisions and solving problems.
Ability to work independently.
Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the Association and borrower.
Ability to manage competing demands; excellent organization skills.
Farm Credit of Florida, is an Affirmative Action/Equal Opportunity employer, including disabled/veterans. Drug free workplace.
