Consumer Credit Analyst jobs in Charlotte, NC

We are seeking a Commercial Credit Analyst to join our Farm Credit family! This position serves current and prospective customers with sound agricultural credit according to Association policies and procedures. The Commercial Credit Analyst develops and analyzes all types of credit information for use by loan officers and loan committees in making lending decisions. They prepare complete loan packages independently for mid-size to large loans. They determine if the financial profile of the borrower meets underwriting standards.

Responsibilities:
Credit Analysis: Collaborate with assigned loan officers to provide complete and accurate analysis of financial position on existing and prospective borrowers to ensure proper loan decisions are made and that risk is continuously evaluated and properly assessed in the portfolio.

Credit Administration: Collaborate with assigned loan officers to complete all loan servicing requirements on assigned accounts in accordance with loan service plan and financial information submission requirements. Collaborate with assigned loan officers on administrative and servicing actions including extensions, waivers, amendments, conversions, partial releases, etc. Maintain acceptable credit administration rating on assigned portfolio.

Sales & Marketing: Represent and promote the Association at agricultural organization meetings and events to promote AgSouth's products and services. Accompany loan officers on customer calls and interviews.

Requirements:
* Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture Economics, Finance or Accounting
* 1-4 years related work experience preferred
* Ability to communicate effectively with all levels of the organization
* Excellent computer skills
* Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
* Focus on problem solving skills with solutions-driven results
* Ability to work independently under established policy guidelines and limited supervisory review
* Current awareness of economic developments and production technology affecting agriculture in the region
* Ability to use creative insights in interpreting various forms financial information (i.e., tax returns, balance sheets, income statements, farm records) and assessing appropriateness of projections
* Ability to write with detail and efficiency.

Other Details:
AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.

This position can be located in any North Carolina Branch of AgSouth (Subject to Office Availability).

Why AgSouth?
When you work here, you have an opportunity to make a difference for agriculture and rural communities. Part of the national Farm Credit System, we are an agricultural lending cooperative that provides loans for land, production agriculture, farm equipment, crop insurance, leasing, and home mortgages. Our $4 billion portfolio of customers and strong presence in local communities across North Carolina, South Carolina, and Georgia allow us to effectively serve our member-borrowers as the largest agricultural lender in the southeast.

At AgSouth, we value our employees and provide them room to grow both personally and professionally. If you're looking for more than just a job, consider joining the AgSouth family!

What can we offer you?
* Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering
* Corporate incentive plan with spot bonuses for top-notch work
* Medical, dental and vision insurance, as well as life and disability insurance
* Flexible spending and health savings accounts
* Generous 401(k) matching contributions, as well as additional employer contributions
* Reimbursement for approved higher education pursuits
* A wellness program for employees, which includes resources for a healthier lifestyle
* Corporate learning programs for professional development
* Other perks, such as employee discounts on sele ct cell phone providers, computers, etc.