Position Summary:

The USDA Financial Analyst is responsible for providing documented and justified recommendations to Lending Officers
Job Duties/Responsibilities:
Communicates directly with clients, and potential clients, regarding credit events and actions as needed, recommending and implementing new loans, renewals, and restructures to meet client, lender, investor, participant, and Agency requirements. Performs complete analyses of new and existing borrower(s) and guarantors(s) using internal assessment tools, the company's tax returns, financial statements, business credit reports, industry trends, third party reports, knowledge of applicable USDA regulations and conventional guidelines to create the initial credit memo including a market, credit, and collateral analyses to make informed decisions on new loans, renewals, and restructures. Prepare complex, written credit presentations for use by credit committees, investors, participants and Agencies in making credit decisions on new, existing service requests, and delinquent loans. Collaborate with Diversified Assets on restructuring facilities to mitigate risk and improve borrower performance. Work closely with all departments to ensure seamless transition of borrower from loan closing to portfolio monitoring or other departments as deemed appropriate. Work independently to organize and prioritize tasks, manage time to meet deadlines, analyze requests, understand issues and develop appropriate solutions. Possess knowledge and maintain up-to-date information related to procedures and reporting guidelines. Understand and apply statutory and regulatory compliance matters as appropriate for your position. Perform all other duties as assigned.
Required Skills/Abilities:
Financial Acumen Strong communication skills Strong analytical skills Attention to details In-depth knowledge of state and federal finance laws and bank policies
Education and Experience:
Bachelors degree required in finance, accounting, economics, or related field Minimum 3-5 years of experience in loan management, credit analysis as well as guaranteed lending workouts

Physical Demands and Work Environment:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.
While performing the duties of this position, the employee is regularly required to talk or hear. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled. ____________________________________________________________________________
Note:
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.
This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice.Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an at-will relationship.