Job Title: Senior Credit Analyst
Location: St. Paul, Minnesota
Reports To: Chief Credit Officer
Company: FarmOp Capital
Company Overview: FarmOp Capital, founded in 2017, is a pioneering leader in providing innovative working capital solutions tailored to American farmers. Our unique production-based lending approach offers high advance rate operating loans, enhancing marketing flexibility and purchasing power for U.S. growers. Headquartered in St. Paul, Minnesota, we address a significant gap in agricultural lending by leveraging advanced technology and outcome-based lending strategies.
Position Summary: FarmOp Capital is seeking a driven and detail-oriented Senior Credit Analyst to join our dynamic team in the Saint Paul/Minneapolis area. This mid-level position is a critical contributor to our lending operations, providing comprehensive credit analysis, managing complex loan portfolios, and ensuring compliance with internal policies. The ideal candidate will thrive in a collaborative environment but also excel when working independently. They must be comfortable interacting with all levels of staff, from executive leadership to administrative teams.
Key Responsibilities:
- Lending Process Management: Oversee the lending process from loan origination to approval and servicing, ensuring strict adherence to internal policies and procedures.
- Credit Analysis: Conduct thorough analyses of new and existing applicants to assess creditworthiness, develop financial profiles, and investigate credit histories.
- Risk Assessment: Perform cash flow and balance sheet analysis to determine the degree of risk in extending credit, especially for applicants with complex financial structures.
- Credit Presentation: Develop and present detailed credit analysis reports and provide loan approval and structure recommendations to the management team.
- Collaboration: Work closely with internal stakeholders to streamline and enhance lending operations.
- Portfolio Monitoring: Regularly monitor the performance of the loan portfolio, identifying potential risks and opportunities for optimization.
- Industry Insight: Stay informed on industry trends, market conditions, and developments in the agricultural sector, offering strategic recommendations to maintain and enhance our competitive edge.
- Continuous Improvement: Assist in the development and refinement of processes, procedures, and policies to improve overall efficiency and effectiveness.
Required Knowledge, Skills & Abilities:
- Education: Bachelor’s degree from a four-year institution preferred; an agricultural background is a plus.
- Experience: Minimum of 10 years in agricultural lending or credit analysis, with a strong record of managing complex loan portfolios.
- Industry Knowledge: Deep understanding of agricultural production practices, commodity markets, and rural development programs.
- Analytical Skills: Strong ability to assess credit risk and the financial viability of agricultural operations.
- Communication Skills: Excellent interpersonal skills with the ability to build trust and rapport with colleagues and clients.
- Organizational Skills: Highly organized and efficient, capable of working under pressure in a fast-growing, dynamic environment.
- Technical Proficiency: Proficiency in financial analysis software and the Microsoft Office suite.
- Leadership: Demonstrated leadership abilities and a commitment to teamwork and professional development.
Work Environment:
- Based in St. Paul, MN
- Typical office demands, including sitting and using standard office equipment.
Position Type: Full-time
Equal Opportunity Employer: FarmOp Capital does not discriminate on the basis of race, color, national origin, age, religion, veteran status, marital status, sexual orientation, or gender or any other protected characteristic; and it will comply with all applicable federal, state, and local discrimination laws. No person shall be denied employment solely because of any disability which is unrelated to the ability to engage in the essential functions involved in the position for which application has been made either with or without reasonable accommodations.
Benefits:
- 401(k) Safe Harbor contribution
- Medical, Dental, and Vision insurance
- Disability and Life insurance
- Employee assistance program
- Flexible spending account
- Paid time off
Other Duties: This job description is not exhaustive, and additional duties may be assigned as necessary.
How to Apply: Join FarmOp Capital and be part of a team dedicated to advancing agricultural prosperity and rural development. Apply now to become our Senior Credit Analyst and help support the financial needs of farmers and agribusinesses across the country.