Fresno Madera Farm Credit · 1 day ago
Credit Analyst
Fresno, CA
Full-time
Hybrid
Entry Level
$62K/yr - $90K/yr
1+ years expFresno Madera Farm Credit is a financial services organization based in California’s Central Valley, seeking a motivated Credit Analyst to join their Credit Administration team. The role involves underwriting loans, evaluating financial information, and making credit recommendations while ensuring compliance and accuracy in loan processing.
Financial Services
No H1B
Hiring Manager
Renee Lee
Responsibilities
Enter and verify loan, borrower, and financial information in the loan software system
Spread financial statements and assist with fieldwork and title report processing
Complete administrative credit actions, including annual reviews, extensions, partial releases, participation certificates, and assumptions
Track and verify completion of required compliance documentation
Process quick loan and batch loan programs by determining eligibility, entering data, reviewing scored results, and preparing files for approval within delegated authority
Assist with financial spreading for mid-market and more complex borrowers
Assess borrower creditworthiness by analyzing capital, capacity, collateral, character, and conditions
Understand Relationship Manager recommendations and identify gaps relative to lending policies, procedures, and guidelines
Develop short- and long-term financial projections based on borrower financial data
Compare borrower financial position to industry benchmarks and Association lending standards
Identify potential risks and mitigating credit factors
Write clear, well-supported credit narratives interpreting the results of credit analysis
Vote with Relationship Managers to approve or deny credit applications and servicing actions within delegated lending authority
Recommend approval or denial of loans exceeding delegated authority
Determine or recommend loan structure and conditions to support approvals
Prepare materials for presentation to credit committee for final loan approval
Process routine and complex servicing actions, including annual reviews, increases, extensions, and partial releases of collateral or liability
Review borrower-submitted information to ensure compliance with loan covenants
Appropriately protect the confidentiality, security, and integrity of Association systems, data, and client information
Qualification
Required
Bachelor's degree in finance, accounting, or a related field
Minimum of one (1) year of associate credit analyst or related experience, or an equivalent combination of education and experience sufficient to perform the essential functions of the position
Working knowledge of Microsoft Word, Excel, PowerPoint, and Outlook
Strong working knowledge of financial statements and financial analysis
General knowledge of credit analysis principles and regulatory requirements related to borrower rights
Ability to gather, compile, organize, and analyze financial and credit information
Strong analytical and critical-thinking skills with the ability to reach logical, objective conclusions
Effective oral and written communication skills
Strong attention to detail, proofreading, and document editing skills
Ability to work independently, recognize priorities, and initiate action
Ability to interact and work effectively with others in a collaborative environment
Sedentary position requiring extended periods of sitting
Occasional standing and walking
Ability to lift to 10 pounds occasionally
Close visual acuity required to prepare and analyze data, view a computer screen, and perform extensive reading
Repetitive motions including keyboarding and mouse use
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa currently
Benefits
Competitive compensation packages
Excellent benefit programs
Company
Fresno Madera Farm Credit
Fresno Madera Farm Credit has been providing quality credit and financial services to American farmers and ranchers.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Keith Hesterberg
President & CEO
Company data provided by crunchbase