Agricultural Commercial Credit Analyst

Job Type
Full-time
Description
We are seeking an experienced Agricultural Commercial Credit Analyst to join our team. The ideal candidate will have a strong background in agricultural finance and credit analysis.
In collaboration with Relationship and Portfolio Managers, the Agricultural Commercial Credit Analyst will be responsible for analyzing borrower financial information, conducting ongoing financial analysis and credit monitoring on transactions within the Bank's agricultural loan portfolio, and preparing formal written loan presentations for approval by Credit Management on new and existing loan transactions for mid-size to large famers, ranchers, processors and other agribusinesses with revenues exceeding $5 million.
Essential Functions

1. Analyzes and articulates transaction risk and recommends loans for approval.
2. Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
3. Identifies and summarizes risks related to third party reports and collateral valuations.
4. Prepares timely and concise formal written credit authorization with little supervision, ensuring complete and accurate information.
5. Analyzes industry and commodity trends.
6. Monitors borrower financial performance in line with commercial loan documents; spreads financial statements ensuring resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation. Collaborates with Relationship Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
7. Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.
8. Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.
9. Supports Community Reinvestment Act (CRA) through business development efforts. Actively participates in community organizations.
10. Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
11. Other duties as assigned.

Requirements

• Bachelor's degree from an accredited college
• Minimum three years of experience in credit analysis within a banking/lending environment
• Knowledge of accounting, financial statement, and cash flow analysis
• Excellent written and verbal communication, presentation, and interpersonal skills
• Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions
• Excellent attention to detail
• Strong analytical and problem-solving skills
• Ability to consistently interact with clients under varying circumstances, while maintaining a professional demeanor
• Effectively communicate with clients over the phone and in person
• Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment

Additional Comments:
River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws.
Note: River City Bank does not sponsor applicants for work visas.
For CA residents please read the Notice at Collection - California before applying.
Salary Description
$85,000 - $130,000/year