Company Profile:
Alabama Ag Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements. The institution is headquartered in Montgomery with ten offices that service the lower 40 counties of Alabama. With over $1.5 billion in assets, the institution is a cooperative and part of the nationwide Farm Credit System.
Education and Experience Requirements:
Bachelor’s Degree in Finance, Business Administration or a related field, or equivalent experience and six (6) or more years of experience in the administration and analysis of complex credits on commercial and mortgage loans including experience in structuring and evaluating complex loan participations, credit relationships, and analysis of direct loans.
Essential Functions:
Assists Loan Officers in the analysis and servicing of the association’s mortgage and commercial loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management. Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Interprets, communicates, and provides guidance to Loan Officers regarding association lending policies and procedures. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. Complies with proper credit administration practices as outlined in the association’s policies and procedures. Assists senior-level credit analysts with complex loan applications as necessary. Occasional travel is required in this position.
At the discretion of Alabama Ag Credit, position may be offered at alternate titles and other business experience may be considered relevant.
If you meet the minimum requirements and want to be considered for this position, please apply
through the Association website:
www.alabamaagcredit.com/careers
Job Posting Name: Senior Credit Analyst
Closing date: Until Filled
AA/EOE/M/F/D/V
Skills Required
- Bachelor's degree in Finance, Business Administration, or related field, or equivalent experience
- Six (6) or more years of experience administering and analyzing complex commercial and mortgage credits, including structuring and evaluating loan participations and credit relationships
- Experience analyzing balance sheets, income statements, cash flow and tax returns to assess credit strengths, weaknesses and risks
- Ability to interpret and apply lending policies and procedures and ensure proper risk ratings, loss given default assignments, and performance status
- Experience assisting relationship managers with credit decisions and preparing reports for management
- Willingness and ability to travel occasionally
What We Do
Alabama Ag Credit, headquartered in Montgomery, Alabama, provides short- and long-term loans for farms, timber and forestry operations, agribusinesses, recreational land and other rural property in the lower 40 Alabama counties. The financing co-op operates offices in Demopolis, Dothan, Enterprise, Montgomery, Monroeville, Opelika, Selma, Spanish Fort and Tuscaloosa. The association is a member-owned, locally controlled cooperative that is part of the national Farm Credit System established in 1916.
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