Credit Analyst, Digital Infrastructure

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

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