CoBank is a cooperative bank serving vital industries across rural America, and they are seeking a Credit Analyst for their Digital Infrastructure team. The role involves preparing analyses and conducting credit investigations, as well as assisting with credit administration and account servicing.
Responsibilities
- Prepares analyses and conducts credit investigations of routine credits in accordance with prescribed methods and procedures
- Prepares and/or assists in the preparation of credit reports for appropriate staff or committees
- Cosponsors or approves credits within prescribed credit limits
- Assists with account servicing, credit administration, and documentation
- Provides support with research and statistical analyses
- Develops credit information for use by appropriate staff and committees in making decisions about credit arrangements for new, renewal, or extension loans
- Cosponsors or approves credit requests within prescribed limits
- Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information
- Analyzes information statements and related material and prepares thorough, well-written, and clear credit reports
- Prepares summaries, presents facts, and offers opinions concerning credit-worthiness
- Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information
- Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring
- Maintains control over current accounts, monitoring for payment progress and any developing problems
- Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit managers
- Assists in the preparation of internal research and analysis, provides statistical reports, and verifies information
- Prepares and delivers presentations on topics as assigned
- Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations
- Maintains expertise in assigned industries or market sectors
- Keeps abreast of industry trends and competitive environment
Skills
- Bachelor's Degree in business, finance, or relevant discipline
- 1 year in credit/finance, preferably in banking or financial services industry required
- Basic knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
- Intermediate knowledge of financial modeling techniques and preparation of pro forma financial statements
Benefits
- Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays
- Competitive Compensation & Incentive
- Hybrid work model: flexible arrangements for most positions
- Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
- Robust associate training and development with CoBank University
- Tuition reimbursement for higher education up to $10k per year
- Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
- Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
- Associate Resource Groups: creating a culture of respect and inclusion
- Recognize a fellow associate through our GEM awards
Company Overview
CoBank is a leading cooperative bank serving agribusinesses and rural infrastructure providers throughout the U.S. It was founded in 1989, and is headquartered in Greenwood Village, Colorado, USA, with a workforce of 1001-5000 employees. Its website is http://www.cobank.com/.
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