Credit Analyst

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100 year-old Farm Credit System – the leading provider of credit to American agriculture.

AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.

We are in search of a Cr edit Analyst I, II, or III to join our Specialized Lending department in Spokane, Washington (Headquarters) or Rocklin, California. This full-time position reports to the VP, Credit and is responsible for providing high quality, profitable and constructive credit and related services to customers in the Capital Markets portfolio. Through actions and communications, creates a positive image of AgWest and markets effectively to our lending partners, customers and others with whom they come into contact.

This position is eligible for a hybrid work schedule and one-time home office stipend after initial training period.

Compensation Information

The base salary range for this position in Spokane, Washington is:

Level I: $57,000 - $86,000; bonus at target is 10% of salary.

Level II: $63,000 - $95,000; bonus at target is 12% of salary.

Level III: $69,000 - $108,000; bonus at target is 15% of salary.

The base salary range for this position in Rocklin, California is:

Level I: $66,000 - $99,000; bonus at target is 10% of salary.

Level II: $72,000 - $109,000; bonus at target is 12% of salary.

Level III: $79,000 - $124,000; bonus at target is 15% of salary.

Job Requirements

• Perform due diligence and risk profiles on loans being purchased from other lenders.
• Provide key communication link with syndication and participation customers in areas of due diligence and administration; assist management in direct marketing and purchasing activities of participations and syndications.
• Gather financial and business-related information for customers and prospects from the origination lender and other available information resources through personal interviews, phone interviews, and the Internet.
• Read and interpret financial statements prepared at all levels of "quality" including audits, opinions and notes, tax records, "in house" prepared financial statements and pro forma statements.
• Prepare complex credit analysis of multiple entity organizations; submit high quality analysis and recommendations to senior staff in the Capital Markets unit and to Credit Approval for final action. Comply with AgWest documentation expectations, procedures, laws and regulations.
• Effectively participate in the Large Loan Committee process to ensure high quality products are delivered within the agreed time frames and within the risk parameters acceptable to AgWest.
• Complete customer visits, collateral inspections and documents observations; this requires transportation to and from business operations located throughout the United States, visually inspecting the condition and valuation of loan collateral, evaluating the customer's management practices and assessing income and cash flow capacity of the business including plant and equipment.
• Ensure a high degree of credit administration by developing and implementing Account Management plans.
• Communicate with other groups and teams and ensure timely transfers between portfolio groups to meet customer service needs and organization objectives.
• Support both lender and customer relationships through marketing and servicing financially related products by communicating with lenders and customers, their professional representatives and employees at locations of their convenience.
• Conduct research of agricultural and related industries and commodities to determine viability, trends and opportunities for AgWest to strengthen its position.
• Assist in accurately classifying assigned loans.
• Assist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification.
• Participate in loan closings by ensuring the appropriate documentation is completed and routed to appropriate parties.
• Effectively work with customers and other Farm Credit employees and outside parties.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
• Other duties as assigned.
  
  

Minimum Requirements

• Bachelor's degree in business or ag-related field or equivalent combination of education and experience
• Generally, requires at least one year of experience in Capital Markets or related area
• Ability to market products, including loan programs, interest rate programs and financially related services, both verbally and in writing
• Ability to inspect facilities, machinery, livestock and crops on customer farms to evaluate credit factors, complete farm visits or complete collateral valuations.
• Advanced analytical skills and the ability to perform complex credit analysis and draw appropriate conclusions
• Ability to understand and interpret complex financial statements and credit documents
• Knowledge of credit classifications and sound loan administration practices
• Ability to coordinate loan servicing activities with staff in other locations
• Ability to plan, organize and prioritize work
  
  

Preferred Requirements

• Knowledge of Farm Credit policies and procedures, loan programs and financially related services
• Knowledge of applicable credit laws and regulations in order to process loan transactions
• Knowledge of bankruptcy law and collection procedures
• Knowledge of appraisal techniques and principles
• Knowledge of local agricultural practices and crop and livestock production
  
  

Benefits Offered By AgWest

• Medical, dental, and vision insurance
• Basic term life and AD&D insurance (fully paid for by the company)
• Paid days off annually: 15 vacation*, 15 sick, 11 holidays and 3 volunteer
• 401(k) plan (6% match plus 3% employer contribution)
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!
• Vacation accrual rates increase with tenure.
  
  

Details About Insurance And Retirement Benefits Are Available At

Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.

When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.

To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.

For more information about the information AgWest Farm Credit collects, please see the