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 Credit Analyst I or Credit Analyst II to join our Montana Lending and Insurance department in Dillon, Montana. This full-time position reports to the SVP, Credit and provides sound, constructive, 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 continue working from their office location a minimum of 60% of the time.

The base salary range for this position in Dillon, Montana is:

Level I:
Typical starting range: $60,000 - $80,300
Full base salary range: $60,000 - $90,400
Annual performance-based incentive target is 10% of base.

Level II:
Typical starting range: $66,200 - $88,700
Full base salary range: $66,200 - $99,900
Annual performance-based incentive target is 12% of base.

• Gather financial and business related information from customers, prospects and other available resources through personal interviews, 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 employees at the branch office or customer locations.
• Effectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to AgWest.
• Complete farm visits, collateral inspections and document observations. This requires transportation to and from the operation, visually inspecting the condition and valuation of loan collateral.
• Conduct research of agricultural and related industries and commodities to determine viability, trends and opportunities for AgWest to strengthen its position.
• Accurately classify and identify appropriate charge-off reserves, cash income accounting and allowances on assigned loans.
• Perform 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 understood by the customer.
• Ensure effective and accurate credit administration through coordination with relationship managers and others.
• Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry specific customer educational events.
• May serve as a trainer or mentor in the organization.
• Other duties as assigned.

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

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

• 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, 12 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:

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Job level and starting annual salary will be based on a variety of factors including but not limited to…