Senior Credit Analyst

Job Description

Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis.

Essential Functions

• Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements for new, renewal, or extension loans. Cosponsors or approves credit requests within prescribed limits.
• Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes information statements and related material and prepares summaries, presents facts, and offers opinions concerning creditworthiness. 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 payment progress, developing problems, trends, and compliance with covenants. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit staff.
• Assists credit manager 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 computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
• May authorize loan advances and loan re-pricing with money desk staff.
• Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.

Education

• Bachelor's Degree required

Work Experience

• 3 years of credit experience in banking industry. required

Physical Exertion Details

Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Travel Requirement Details

Occasional Travel occurs infrequently (typically, once a month or less).

The typical base pay range for this role is between $81,500 - $93,200. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law.