Credit Analyst/Senior Credit Analyst - Electric Distribution

Benefits Overview

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. When you choose a career with CoBank, you make a difference by standing for something that matters. In order to be the best, we hire the best!

Remarkable Benefits offered by CoBank

• Careers with a purpose- stand for something!
• Competitive Compensation & Incentive
• Hybrid work model – flexible arrangements for most positions
• Benefits Packages, including: Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• CoBank University robust curriculum –associate training and development, including higher education tuition reimbursement
• Outstanding 401k – up to 6% matching and additional 3% non-elective contribution
• Time-Off Packages – Vacation 15 days, 10 Paid Sick Days, and 10 Paid Holidays
• Community Impact – United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups – creating a culture of diversity and inclusion
• Recognize a fellow associate with “GEM” awards, including a monetary value
• On-site Fitness Center and Café
• ECO transportation pass provided to every Denver associate

Job Description

Come be on the front lines of helping electric cooperatives provide broadband to rural America!  Credit professionals play a crucial role in executing CoBank’s mission to serve as a dependable provider of credit.  Whether you are new to credit or an experienced credit professional, this position will allow you to grow and build a career in a team focused environment that values sound credit quality and prudent underwriting standards.

At CoBank, Credit professionals prepare analyses and conduct credit investigations in accordance with prescribed methods and procedures.  Prepares and/or assists in the preparation of credit reports for appropriate staff or committees.  Co-sponsors or approves credits within prescribed credit limits.  Assists with account servicing, credit administration, and documentation.  Provides support with research and statistical analyses.

Essential Duties and Responsibilities

• Accomplishes credit reports for use by appropriate staff and committees in making decisions about commitments for new, renewal, or extension of loans.
• Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes financial statements and related material and prepares thorough, well-written, and clear credit reports.  Prepares summaries, presents facts, and offers opinions concerning credit worthiness.  Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.
• Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring.
• Maintains control over current accounts, monitoring for compliance with loan agreements and any developing problems. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit managers.
• Assists in the preparation of internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.
• Develops and utilizes spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
• Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.
• Assists in the development of new business and participates in meetings and other activities as assigned.
• Develops and improves credit and communication skills on an ongoing basis.
• Participates in special projects, and performs other duties as assigned.

Basic Qualifications 

• Bachelor's degree in business, accounting, finance, or relevant discipline.
• One (1) or more years of relevant experience in credit/finance, preferably in banking or financial services industry or appropriate combination of education and experience.

Preferred Qualifications 

• Basic knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
• Basic knowledge of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law.
• Intermediate knowledge of financial modeling techniques and preparation of pro forma financial statements.
• Ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations.
• Proven ability to work independently as well as collaboratively in a team oriented environment.
• Excellent customer service focus and attention to detail.
• Excellent verbal and written communication and interpersonal skills, with the ability to communicate effectively with all levels of management, business customers, and outside parties.
• Knowledge of Microsoft Office applications (Outlook, Word, PowerPoint, Excel, Access).
• Availability for occasional work outside normal business hours.  
• Availability for occasional travel. 

Compensation Information

• Estimated Base Salary Range: $57,600-$75,000
• Target short-term incentive opportunity: 9%-11%

About CoBank

CoBank stands strong as a $135 billion enterprise dedicated to the financial needs of rural America. As a national cooperative bank and a proud member of the Farm Credit System it is our mission to serve as a relevant and dependable provider of credit and other value-added financial services. From our headquarters in Denver, Colorado and our regional banking centers across the US, CoBank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states.

CoBank will not sponsor a work visa (e.g. H1B, etc.) to fill this position.

CoBank is an Equal Opportunity Employer.

CoBank requires all newly hired associates to be fully vaccinated against COVID-19, and new hires will be asked to register their proof of vaccination.  Any offer of employment will be conditioned upon an applicant supplying proof of vaccination against COVID-19; provided, however that CoBank may provide a reasonable accommodation for an applicant’s known disability or sincerely held religious belief. 

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Salary : $57,600 - $75,000