Financial Analyst (Underwriter) - Ag Lending Department

Responsibilities will include and are not limited to the following:_ _ 

Conducts detailed, independent financial and collateral analysis on credit requests. Evaluates business plans, projections, operating records, and financial statements. Evaluates all types of collateral in relation to feasibility of transaction, market/industry conditions and loan structure. Supports conclusions based on factual data. 

Effectively communicates information and analytical results to stakeholders_ In collaboration with the relationship manager, identify risks of loan structure and participates in discussions with credit risk as required_ Identifies risks associated with each loan and mitigations to risks. Generates and recommends risk ratings_ 

Interprets and applies Bank policies, governmental regulations, and accounting theory_ Prepares reports and analyses in areas such as budgets, forecasts, financial plans, governmental requirements, statistical reports, cash flow projections, and business forecasts_ Performs industry research in various market areas to support transaction_ 

Participates on client calls and/or client relationships with relationship managers as assigned_ Performs all other job duties as assigned by supervisor_ Undergraduate degree in Business, Accounting, Economics, or related field preferred with 2-4 years related accounting or financial statement analysis/lending experience; or equivalent combination of education and experience required_ Proficient with MS Word, MS Excel, MS Outlook and Internet_ 

Adept at utilizing financial software programs and other databases integral to compiling financial and collateral analysis spreads_ Must demonstrate excellent customer service skills with ability to communicate tactfully and listen attentively to the customer_ Possess good human relations, communications, and business writing skills_ High level of accuracy and great attention to detail_ Strong analytical and problem solving skills_ Able to make and support sound decisions_ Possess effective time management and organizational skills_ Able to cope with pressure resulting from meeting required deadlines and reporting requirements_ 

Demonstrate teamwork in facilitating workflow_ High level of cooperation with others and responsive to the Bank's needs_ Consistently demonstrate tact, discretion, and good judgment_ Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive information_ Able to work effectively without direct supervision_ Able to comprehend and interpret Bank policies and procedures_ Must be able to travel throughout bank's footprint to perform duties (less than 25%)