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Credit Analyst I or II

Company: Golden State Farm Credit
Location: Chico
Posted on: May 23, 2023

Job Description:

Are you attracted to numbers?Ever been told you have an eye for details?Want to work for a family oriented company?If so, and you want to be part of a company that helps feed the world then Golden State Farm Credit has an exciting opportunity for you!!! Intrigued? Want to know more about our Credit Analyst position?Apply at or review the full job description below. DEADLINE TO APPLY: Open until filled.Location: Chico, Ca Salary Range: DOEGrade 11 (Credit Analyst I): $52,986-$79,254Grade 12 (Credit Analyst II): $58,711-$88,572Position: Credit Analyst I or II (placement depends on experience)POSITION SUMMARY: This position provides approvals on credit applications by evaluating financial information, developing financial analyses, and interpreting and applying Association credit standards. ESSENTIAL FUNCTIONS: Credit AnalysisAnalyzes credit worthiness by:Developing long and/or short term financial projections based on customer financial dataAnalyzing capital, capacity, collateral, conditions character and management ability of the borrowerComparing the borrower's overall financial position to industry and core lending standards and guidelinesIdentifying potential risks of the proposed loanInterprets financial data for credit assessmentAssists and recommends loan structure and conditionsCollaborates with senior credit staff on loan approvalsDetermines loan classification, probability of default and loss given default ratingsCompletes accrual earnings reconciliation as neededRemains updated on the industries serviced by the assigned office and/or business unitCompletes industry specific research to validate key cash flow projectionsLoan AdministrationCommunicates the status of loans in process with internal credit, sales, and operations to insure coordination between external client and GSFCWorks closely with sales team to complete financial counseling with key clientsMonitors the loan performance for the organizationMeets with customers to collect financial information and discuss new loan opportunitiesAnswer calls, prepare documents and requests for customer as neededData Security and ConfidentialityAppropriately protects the confidentiality, security, and integrity of the Association's systems and data and clients' dataCommitment and Support of Association MissionUnderstands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settingsCredit Analyst II duties will also include:Credit AnalysisMeets with, collects, and enters data from customer and potential customers into internal software.Analyzes financial data and makes recommendations for loan structure, terms, and conditions.Prepares the narrative for short form analysis loans. Assists credit officer in preparation of more complex loan narratives. Provides accurate financial analysis for complex client relationships by utilizing various software systems.Qualifies and validates financial information utilized in the credit decision making process.Recommends approval of credits that meet the conditions under credit scoring procedures.Monitors database exception reports to ensure proper financial, collateral, and loan classifications are accurate.Provides accurate financial analysis for complex client relationships by utilizing various software systems.Qualifies and validates financial information utilized in the credit decision making process.Training and MentoringMentors staff on business policy and procedures and best practicesProvides functional training on operating systems, loan origination software and ad hoc analysis programsDevelops and presents training to less experienced analysts and market facing staff on information gathering, loan structure and analysis techniquesQUALIFICATIONS:Credit Analyst I - Bachelor's degree in accounting, ag business, agriculture, business, finance. No experience required.Credit Analyst II - Bachelor's degree in accounting, ag business, agriculture, business, finance and 1 year of experience in credit related workPHYSICAL DEMANDS:Positions in this class typically require: keying, talking, hearing, seeing, and repetitive motions. Sedentary Work: 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. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and other sedentary criteria are met. The employee is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer screen; and/or extensive reading.WORKING CONDITIONS:Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 10% travel time.The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or disability, or any other characteristic protected by law.

Keywords: Golden State Farm Credit, Chico , Credit Analyst I or II, Professions , Chico, California

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