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Farm Credit East, ACA · 3 weeks ago

Credit Analyst Associate

Batavia, NY

Full-time

Hybrid

New Grad, Entry Level

$55K/yr - $80K/yr

Farm Credit East is the leading provider of loans and farm advisory services to agricultural business owners across the northeast. The Credit Analyst role is responsible for analyzing credit applications, structuring credit facilities, and promoting positive customer relations while ensuring sound credit analysis and underwriting practices.

AgricultureBankingFinancial ServicesLendingRetail

Responsibilities

Works with team members to effectively serve marketplaces across the Association providing sound and timely analysis within the time expectations of the customer and team members

Identifies and ensures that credit classifications, PDs, LGDs, and all financial information are accurate and current on the loan being services and all related loans

Effectively applies policies and procedures to meet underwriting requirements; This includes ensuring that loans are priced, and all fees collected, as required by policy, any waivers obtained must be properly documented and approved as required by ACA policy

Employs approved differential analysis tools and technology as appropriate; Provides direct financial underwriting and analysis that consistently follows the organization’s expectations of financial reporting consistency

Delivers accurate and timely loan underwriting using provided lending software; Underwriting is to be completed on all levels of loan complexities, as determined by the designated leader

Actively assesses financial information for opportunities to cross sell, paying particular attention to mining the balance sheet for new lending opportunities, consolidating takedowns, identifying crop insurance, recordkeeping, and tax preparation opportunities

Qualification

Credit AnalysisUnderwritingFinancial AnalysisAgriculture KnowledgeBusiness DevelopmentCommunication SkillsTeam Collaboration

Required

This position requires an associate or bachelor's degree in Agriculture, Agri-Business, Economics, Finance, Business or a related field

An equivalent combination of education and experience to perform the essential functions of the job

Benefits

Short Term Incentive to reward business results

401(k) match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary

Defined Contribution retirement plan funded at 2-9% of salary depending on years of service

15-25 days of vacation leave per year, depending on years of service

12 days of holiday leave per year

7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year

Paid Parental Leave: Up to 80 hours of paid leave for birthing, non-birthing, and adoptive parents

Family Care Leave: Additional leave options available under SMLA and company policy

Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being

Health Savings Account

Life insurance at 2x base pay

Accidental Death and Dismemberment insurance at 2x base pay

Long-term disability insurance at 2/3 base pay

Tuition reimbursement

Continuing education and training

Employee Assistance Program offering a wide variety of tools and resources

Company

Farm Credit East, ACA

Farm Credit East provides a full range of credit and financial services to more than 18,000 customers in our eight-state territory: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, and Vermont.

Founded in 1916