Credit Analyst for Capital Markets at Southern AgCredit in Ridgeland, Mississippi

Job Description:

JOB DESCRIPTION



Education and Experience Requirements:


Bachelor's degree in Finance, Accounting or a related field, or equivalent experience and zero (0) to four (4) years of experience analyzing credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications.


Job Purpose and Scope:


Assists loan officers in the analysis, servicing, and reporting of the association's mortgage and commercial loans. Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision.


Essential Functions:

Assists loan officers in the analysis, servicing, and reporting of the association's mortgage and commercial loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management.

Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans.

Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.

Complies with proper credit administration practices as outlined in the association's policies and procedures.

Assists senior-level credit analysts with complex loan applications as necessary.

Performs credit and financial analysis, monitoring and due diligence review of various loan participation packings/opportunities with other lenders and Capital Markets.

Skill Requirements:


General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to perform intermediate-level accounting and financial analyses under moderate supervision.


Southern AgCredit, ACA is an EOE/AA/M/F/D/V Employer




ABOUT US



If you're looking for an exciting and dynamic career in the agriculture and finance industry, Southern AgCredit is the place for you. When you work here, you have an opportunity to make a difference for agriculture and rural communities while elevating your career.

Southern AgCredit is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Mississippi and Louisiana. We serve the fifty most southern counties in Mississippi and eleven parishes in Northwest Louisiana. From the Gulf Coast to the Ark-La-Tex, we provide financing solutions for a wide array of operations, including loans for land, improvements, agribusinesses, country homes, operating capital, livestock and equipment. Southern AgCredit is home to the largest portfolio of Mississippi rural real estate loans with over $1 billion in total assets.

Southern AgCredit understands our employees are our greatest assets. We are dedicated to fostering an engaged workplace that makes every employee feel valued, appreciated and heard. We offer competitive compensation and benefit packages for full time employees including:

• Performance sharing plan
• Vacation leave, sick leave and paid holidays
• Comprehensive benefits package including medical, dental, vision, and life insurance
• Flexible spending and health savings accounts
• Generous 401(k) matching contributions, as well as additional employer contributions
• Reimbursement for approved higher education pursuits
• Advancement opportunity
• Training and leadership development

We appreciate your interest in employment opportunities with Southern AgCredit and wish you success in your career. Apply Now