Credit Analyst Dillon, MT

Overview

AgWest Farm Credit is a member-owned financial cooperative providing financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state Western United States territory. AgWest is part of the Farm Credit System, a leading provider of credit to American agriculture. We serve customers in 59 locations throughout the West and champion the growth and advancement of agriculture and rural communities.

We are in search of a Credit Analyst I or Credit Analyst II to join the Montana Lending and Insurance department in Dillon, Montana. This full-time position reports to the SVP, Credit and provides sound credit and related services, typically supporting average to above-average loan portfolios involving simple to moderately complex credits. After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.

Employees are expected to work from their office location a minimum of 60% of the time.

• Gather financial and business-related information from customers, prospects, and other resources through personal and phone interviews and other information resources.
• Analyze financial statements, including opinions and notes, tax records, in-house prepared financial statements and pro forma statements.
• Analyze credit and prepare analysis on small and medium-size portfolios; submit sound credit analysis and recommendations for review.
• Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives, and branch office or customer location staff.
• Participate in the Large Loan process as needed to provide high-quality products within agreed time frames and risk parameters.
• Complete farm visits and collateral inspections, documenting observations and conducting visual assessments of loan collateral.
• Conduct research of agricultural and related industries and commodities to determine viability, trends, and opportunities for AgWest.
• Classify and identify appropriate charge-off reserves, cash income accounting, and allowances on assigned loans.
• Perform credit investigations on applicants including public records, credit bureau reports, employment and income verification, and asset and liability verification.
• Participate in loan closings by ensuring appropriate documentation is completed and understood by the customer.
• Coordinate with relationship managers and others to ensure effective credit administration.
• Participate in assigned industry teams or industry task forces; assist with industry studies and customer educational events.
• May serve as a trainer or mentor within the organization and perform other duties as assigned.

• Bachelor’s degree in business, accounting or ag-related field, or an equivalent combination of education and experience
• Generally 1–2 years of accounting or financial industry experience
• Understanding of applicable credit laws and regulations, bankruptcy law, and collection procedures
• Ability to market, sell, and effectively negotiate terms on AgWest products, including loan programs and related services
• Knowledge of appraisal techniques and principles
• Thorough knowledge of credit classifications and sound loan administration practices

• Agricultural background
• Advanced knowledge of AgWest policies and procedures
• Advanced knowledge of AgWest products and services and how they are delivered

• Medical, dental, and vision insurance
• Basic term life and AD&D insurance (fully paid by the company)
• Paid days off annually: 15 vacation, 15 sick, 12 holidays and 3 volunteer days
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day

* Vacation accrual rates increase with tenure.

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