Scored Loan Analyst - AgGeorgia Farm Credit

At AgGeorgia Farm Credit, we strive to build an inclusive team of employees and leverage our unique strengths. Become a part of our team today and grow with us! AgGeorgia Farm Credit prides itself to be a caring, family-oriented culture that promotes a positive work environment. If you are a highly motivated individual looking to serve the community you work in, check us out! We are looking for a Scored Loan Analyst to work in one of our branches across the state!
The Scored Loan Analyst has overall responsibility for completing limited credit underwriting and performing limited analysis to identify risk in loan applications for new credit as well as servicing the existing portfolio through the scored loan program parameters. The analyst in this position considers unique financial characteristics of each customer, evaluates and identifies risk. You will also recommend loan controls and structure to fit individual needs while controlling risk to the Association.
What you will do in this role:
Credit Underwriting, Analysis & Decision: Assures complete credit underwriting, financial and risk analysis, documentation, and risk identification on loan applications for new credit as well as servicing existing debt. While the credit decision is based primarily on the scored loan program output, the independent recommendation of controls and requirement to address risk in an appropriate manner is the primary responsibility of the individual. The analyst will work within the parameters of the scored loan program to assess risk as presented in the limited financial analysis required through the scoring program. You will communicate closing requirements to the Loan Officer and Loan Processor and may make recommendations for loan-servicing plans according to the Loan Servicing Plan Policy & Procedure of the Association.
Quality & Accuracy of Work: High quality work and accuracy of work is imperative to the position, within reasonable expectations of tenure and experience. The Scored Loan Analyst should actively demonstrate a sense of pride in work and attention to detail, striving for error-free work that is relative to the current training and experience level.
Technical Analysis Skills: (Analysis, tax returns, loan servicing, and commodities)
As a Scored Loan Analyst, you should have a sound understanding of financial analysis and proficient use of system software. As well as understanding the scored loan program parameters, limited financial underwriting and a working knowledge of credit policy and procedure are required. The analyst should have a working knowledge of basic loan servicing practices (releases, renewals). You will need to demonstrate a sound working knowledge of individual tax return analysis, as well as supporting analysis required for compliance and prudent lending. The Analyst will demonstrate a working knowledge of common commodities serviced by the Association.
Independence: Analyst should demonstrate independence in tasks as assigned with a moderate level of direct supervision, which should continue to decrease with experience and proficiency.
Communication & Teamwork. Effectively and efficiently communicates well with others in the loan making process, including but not limited to communication with Loan Officers, Loan Processors, Member Service Representatives, and those involved in the approval process. You will need the ability to effectively and efficiently convey messages in a professional manner in both oral and written delivery. Written communication skills should demonstrate the ability to present professional, effective, and concise communication. Oral communication should be effective, respectful, honest and open. Interpersonal skills are also of importance and should be professional and effective. The analyst should seek guidance from mentors and supervisor when needed.
Special Projects & Development. Assists with projects as directed by Credit Administrator and/or Chief Credit Officer. Attends management recommended training and other training to develop analytical skills and lending knowledge.
A successful Scored Loan Analyst will demonstrate incrementally increased proficiency in skills as exposure progresses. Successful analyst should also demonstrate self-motivation and self-monitoring to gain proficiency and should invest time proactively to become proficient in areas which they have little experience.
Skills & Qualifications Needed:
- Education and/or experience equivalent to a Bachelor's Degree in Business, Finance, Agriculture or related field.
- Basic knowledge of credit analysis and techniques from experience in agriculture-related work or commercial finance or educational equivalent.
- Ability to work independently under general supervision
- Ability to utilize skills and knowledge to maximize customer service while maintaining satisfactory credit administr