Credit Analyst

We are in search of a Credit Analyst I, II or III to join our Oregon Lending and Insurance department in Salem. This full-time position reports to the SVP, Credit and assists in providing sound, constructive credit and relate services, typically supporting a portfolio of simple to moderately complex credit relationships.

After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend. Employees are expected to continue working from their office location a minimum of 50% or 60% of the time depending on location.

Compensation Information

The base salary range for this position in Salem, Oregon is:

Level I: 
Typical starting range: $58,500 - $78,300
Full base salary range: $58,500 - $88,200
Annual performance-based incentive target is 10% of base.

Level II: 
Typical starting range: $64,600 - $86,500
Full base salary range: $64,600 - $97,500
Annual performance-based incentive target is12% of base.

Level III: 
Typical starting range: $70,800 - $97,500
Full base salary range: $70,800 - $122,100
Annual performance-based incentive target is15% of base.

Job Requirements

• Gather financial and business-related information from customers, prospects and other available resources through personal interviews, phone interviews, and other informational resources.
• Analyze basic financial statements, including opinions and notes, tax records, "in house" prepared financial and pro forma statements.
• Prepare credit analysis and make recommendations to appropriate management for review.
• Comply with documentation expectations, procedures, laws, and regulations.
• Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch or customer locations. 
• Effectively participate in the Large Loan process as needed to provide high quality products, to be delivered within the agreed time frames and within the risk parameters acceptable to the organization. 
• Complete in-person farm visits, collateral inspections and document observations including but not limited to visually inspecting the condition and valuation of loan collateral. 
• Conduct research of agricultural and related industries and commodities to determine viability, trends, and opportunities for the organization to strengthen its position. 
• Establish rapport with and develop/maintain confidence of customers and prospective customers.
• Accurately classify and identify appropriate charge-offs, reserves, cash income accounting, and allowances on assigned loans. 
• Assist in credit investigations on applicants including public record searches, credit bureau reports, employment, and income and asset and liability verification. 
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer. 
• Ensure effective and accurate credit administration through coordination with relationship managers and others. 
• Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry customer educational events.
• Effectively work with customers and collaborate with other teams to make referrals and cross-sell products, to meet customer needs.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls. 
• Other duties as assigned. 

Minimum Requirements

• Bachelor's degree in business or ag-related field, or an equivalent combination of education and experience.

Preferred Requirements

• Knowledge of loan programs and financially related services.
• Knowledge of agricultural practices.

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, 12 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 #LI-Onsite