Agriculture Credit Analyst

About The Role

Join one of the best banks in Arizona! Foothills Bank has been on the list of Top Companies to Work for in Arizona for 4 years in a row and ranked #1 this year. Learn More About Our Recognitions!

Our culture and core values are the framework that helped set us up for our recognition of being a Top Employer.

Our Values

We live our Vision daily through...

• Commitment to excellence and each other

• Leadership that is engaged in the success of others

• Integrity to do what is right

• Passion to serve our customers and communities

• Perseverance to find the best solution possible

• Honor in maintaining the trust of our customers

• Pride in who we are and what we do

Summary

This position specializes in credit analysis for agriculatural clients. Responsible for providing competent credit analysis for lending activities, assistance in the administration of borrowing accounts, conduct appraisal reviews, and assistance in completion of special projects and assignments. Processes credit applications; verifies credit references and information; and determines credit limits. Prepares reports on the status of credit and collections, and other operating systems.

DUTIES AND RESPONSIBILITIES:

• Analyze and evaluate financial statements, balance sheets, and budgets of agricultural businesses to assess creditworthiness.

• Utilize Moody's WebEquity to conduct in-depth credit analyses and risk assessments.

• Reviews lender assigned risk grades on commercial and business credits. Confirms or changes the grade and issues a report of the findings for the lender and management.

• Spreads financial statements regularly to assist lenders in analyzing credits.

• Reviews loan work-ups for completion and proper execution to ensure adequate enforceability of company's position for new and existing loans reviewed. This includes loan details, document review, financial copies, approvals, etc.

• Determines that loan file documentation is complete and properly executed to ensure adequate enforceability of the company's position for all new loans reviewed.

• Prepares various reports. May provide regulators and auditors with information needed to assess company's compliance with loan review policies and procedures and reserve adequacy methods.

• Lead or assist with projects that will consist primarily of credit administration issues and may relate to possible changes in policies and procedure, possible changes as a result of examiner or auditor recommendations, peer group analysis, market studies, changes in compliance and regulations, software upgrades, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as out-sourcing, in-sourcing, centralization of duties/staff, etc.

• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

About You

QUALIFICATIONS:

• Minimum two years of experience as a Credit Analyst in Agriculatural and Commercial Lending

• Bachelor degree in Finance or Accounting preferred

KNOWLEDGE, SKILL, ABILITY:

• Strong understanding of agricultural balance sheets, budgets, and financial statements.

• Experience with loan structuring and portfolio management in the agricultural sector.

• Proficiency in Moody's WebEquity or similar credit analysis software preferred

• Familiarity with local agricultural markets and farming practices

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to climb stairs.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time. Visit our website for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.