Are you an experienced credit analyst who enjoys building business relationships? Are you a self-motivated, goal-oriented team player? Do you have a collaborative personality that is skilled in performing complex credit analysis with a passion in the marketing and sales of credits? If this sounds like you then Golden State Farm Credit's Capital Markets Credit Analyst position is for you! We’re an energetic and family oriented company that is looking for a passionate individual to join our team that supports those that feed the world.
Want to know more about our Capital Markets Credit Analyst position?
Apply at https://goldenstatefarmcredit.com/about/careers/ or review the full job description below.
This position provides support to the VP Capital Markets in the purchase/sale of participation loans. The incumbent is responsible for portfolio development including the sale of Association originated credits and purchasing loan participations that includes marketing, negotiating, analyzing, and structuring of loans in the process.
- Capital Markets Portfolio Management
- Assist in the sales and marketing of Association originated credits through syndications and participations, provide information to potential participants, address questions, and track approvals
- Track and monitor purchased and sold loan participations
- Coordinate purchase and sales activities with lending partners
- Review and monitor capital markets portfolio for compliance with Association policies and procedures and FCA and other applicable regulations
- Respond to internal and external client questions on syndication and participation loans
- Conduct ongoing monitoring of purchased participation loans by tracking and reviewing borrowing base reports, compliance certificates, periodic financial statements, etc.
- Submit information to Farmer Mac for new loan guarantees and servicing actions on existing guaranteed loans
- Credit Scoring and Analysis
- Develop short- and long-term financial projections based on customer financial data
- Analyze capital, capacity, collateral, conditions, character, and management ability of the borrower
- Compare the borrower’s overall financial position to industry and lending standards and guidelines
- Identify potential risks of the proposed loan
- Recommend approval or denial of purchased participations to the VP Capital Markets
- Prepare loan narrative for purchased participation loans for loan committee approval
- Work with accounting staff and lending partners to cure loan delinquencies.
- Monitor database exception reports to ensure loan classifications, risk ratings, loan balances, and other database items are accurate
- Business Development (or Community Involvement)
- Create and foster alliances with the agricultural business community both within and outside of the Farm Credit system
- Maintain a professional presence while representing and promoting the Association at outside meetings and events
- Build and maintain ongoing relationships and provide high quality service to Capital Markets Officers in other Farm Credit entities and leading financial institutions across the country and customers in the capital markets portfolio
- Develop, maintain, and leverage industry expertise, contacts, implementation, and exposure to enhance image and marketplace effectiveness of the association
- Data Security and Confidentiality
- Appropriately protects the confidentiality, security, and integrity of the Association’s systems and data and clients’ data
- Commitment and Support of Association Mission
o Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings
KNOWLEDGE AND SKILLS
- Knowledge of Capital Market issues involving FCA/bank lending regulations, financial report requirements, rating agency methodologies and multi-lender credit facility documentation.
- Proficient in analyzing information and problem solving to formulate logical and objective conclusions.
- Skill in using NGS (AgVantis’ CRM system) to manage customer relationships throughout the loan life cycle.
- Knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.
- Expertise in loan structuring and negotiating loan terms and conditions.
- Expertise in reading and interpreting tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents.
- Knowledge of accounting principles, practices, and methods.
- Knowledge of the agriculture industry and the impact of current events on agricultural operations and credit.
- Knowledge of Microsoft Office Suite, computers, current software, and other office tools.
- Ability to effectively read, write, and communicate in the English language.
- Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.
- Skill in analyzing information and problem solving to formulate logical and objective conclusions.
- Solid knowledge of credit processing and servicing activities, accounting principles and practices, credit analysis procedures, and credit administration.
- Sound decision making, negotiating, and influencing skills.
- Ability to work under minimal supervision.
- Strong analytical and problem solving skills.
Knowledge of the agriculture, financial and real estate industry, and applied business mathematics and principles.
Bachelor’s Degree in Ag Business, Business, Finance, Accounting, or a related field.
3 years of credit administration experience in agricultural lending with experience in commercial or capital markets credit analysis preferred, or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Positions in this class typically require: keying, talking, hearing, seeing, and repetitive motions. Sedentary Work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and other sedentary criteria are met. The employee is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer screen; and/or extensive reading.
Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 10% travel time.