Credit Analyst I – Ag. Services

Credit Analyst I – Ag. Services

Requirements

• Undergraduate degree
• 3+ years of relevant experience

Responsibilities

• Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment in a timely manner to meet customer needs
• Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Conduct appropriate market, industry and client research and risk analysis in support of the credit development and credit submission processes where appropriate
• Prepare documentation in support of financial solutions for clients, including review and commentary on credit facility term sheets and timely completion of client presentations
• Prepare and recommend credit submissions including annual and interim client reviews
• Assist the AM in cross-selling the full range of products to existing and new customers, as applicable to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times
• Contribute to the achievement of business objectives through exceptional customer service and risk support to increase profitability and enable business growth
• Support the promotion of products, sales, services and banking capabilities
• Contribute to business objectives for Operational Excellence
• Complete business processes and procedures in a timely and accurate manner
• Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk activities as necessary
• Ensure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
• Ensure necessary due diligence to support the accuracy of all customer transactions / activities
• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
• Participate in personal performance management and development activities, including cross training within own team
• Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Investigates and analyzes potential solutions; ensures processes and functional programs are implemented
• Executes on work with some complexity; generally requiring short to medium-term focus (weekly-monthly)
• Accountable for own work and effective coordination of processes and information across related teams
• Delivers on assigned initiatives / projects /programs with some direction from management

Preferred Qualifications

No preferred qualifications provided.