Commercial Credit Analyst jobs in Gilbert, AZ

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100 year-old Farm Credit System – the leading provider of credit to American agriculture.

AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.

We are in search of a Credit Analyst I or Credit Analyst II to join our Lending and Insurance department in Tempe, Arizona. This full-time position reports to the SVP, Regional Underwriting Officer and collects, reviews, and analyzes various financial documents used in loan structures and approvals.

This position is eligible for a hybrid work schedule and one-time home office stipend after initial training period.

Compensation Information

The Base Salary for this position is:

Level I: $57,000 - $86,000; bonus at target is 10% of salary

Level II: $63,000 - $95,000; bonus at target is 12% of salary

Position is eligible for an annual incentive program in addition to the base compensation.

Job Requirements

The Credit Analyst performs a variety of functions including, but not limited to:

• Ability to spread financial information, including: balance sheet, tax return, borrower or accountant-prepared statements
• Knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
• Solid understanding of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law
• Knowledge of financial modeling techniques and preparation of pro forma financial statements
• Ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations
• Ability to incorporate information from many sources to identify underwriting risks and articulate a concise recommendation
• Knowledge of complex lending, financial structuring and credit arrangements, and bank products
• Solid understanding of credit underwriting policies, procedures, processes, collateral valuation, and documentation
• Advanced ability to use spreadsheet, word processing, and database applications
• Excellent interpersonal, negotiation, presentation, oral and written communication skills

Minimum Requirements

• Generally, requires a bachelor’s degree in Agribusiness, Business, Accounting, Economics or related field with 0-3 years of relevant work experience. (Relevant experience may be substituted for education)
• Strong computer skills and experience with Microsoft Office suites, specifically with Excel

Preferred Requirements

• Agricultural Credit Analysis experience
• Broad knowledge of credit and financing and the ability to analyze all components on standard and complex credits
• Strong decision-making skills as well as strong interpersonal, communication, customer service and team skills
• Possess proven, effective problem-solving skills as well as effective negotiating and influencing

Benefits Offered by AgWest

• Medical, dental, and vision insurance
• Basic term life and AD&D insurance (fully paid for by the company)
• Paid days off annually: 15 vacation*, 15 sick, 11 holidays and 3 volunteer
• 401(k) plan (6% match plus 3% employer contribution)
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!

• Vacation accrual rates increase with tenure.

Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits

#LI-Hybrid

Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.