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, assisting with account servicing and credit administration, and providing support with research and statistical analyses.
Responsibilities
- 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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