Credit Analyst

Do you have the passion to provide expert guidance to our members?

Do you want to create an outstanding experience?

Do you enjoy working in a team environment?

We are excited for you to apply to our Credit Analyst position in Alma, Ann Arbor, East Lansing, or Sandusky, MI. Alma, MI is the preferred location, but others may be considered. This position will provide credit analysis expertise on medium to moderately larger loan requests to help ensure sound, comprehensive decisions are made in the credit approval process. The incumbent will prepare the financial analysis on larger, more complex requests.

GreenStone employees are driven by a desire to help rural communities!  GreenStone employees exhibit the same work ethic, values and commitment to each other as the customers we serve.

Our $13 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.

Major Responsibilities:

• Analyze moderately sized mortgage and commercial loan requests which fall outside of scorecard parameters in a detailed, accurate, and timely manner.
• Analysis includes verifications of assets and liabilities, (credit bureau report, chattel and real estate searches, collateral evaluations), preparing income projections, trending financials and earnings information, compiling comparative data using similar farms and/or credit standards and ratio analysis.
• Prepare loan narrative by preparing the capital, capacity, collateral, conditions sections; may also assist with the character section.
• Assist with loan servicing and monitoring of specific loan covenants and borrowing base reporting requirements.
• Assure the integrity of data in the customer relationship management system on loans in assigned portfolios by monitoring monthly internal exception reports.
• Complete necessary government guaranteed loan reports and delinquency status reports as needed.
• Prepare year-end requests of financial information for gathering such information and to prepare for the upcoming loan review/renewal season.

Position Requirements...

• Bachelor's Degree required.
• Business Administration, Agricultural Business, Economics, Finance, or related field preferred.
• 1+ years in credit analysis/underwriting, financial services, or agricultural lending experience preferred.
• Must be proficient in computer technology and Microsoft applications.
• Demonstrated interpersonal skills to successfully communicate both verbally and written.
• Ability to quickly learn and effectively use new process and procedures to meet business initiatives.
• Demonstrated strong analytical and problem-solving skills.

Here's What We Can Offer You...

GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:

• Salary commensurate with experience
• 15 vacation days, 12 sick days, and 12 paid holidays per year
• 401(k) plan – up to a 9% employer contribution/match
• Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.
• $150/year Logo Wear allowance
• $400/year Wellness Subsidy/Reimbursement & wellness programs
• Student Debt repayment grant

*** Please include your salary requirements in your cover letter

GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.