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Career Opportunity: Credit Analyst I, II, III

Job Title
Credit Analyst I, II, III
Golden State Farm Credit, ACA
Kingsburg, California
Experience Level
Entry Level (1-4 years)
Supervisor's Title
Justin Nunes
Financial Services
Salary Range
DOE, depending on experience
Posted Date
Monday, November 6, 2017
Closing Date
Open until filled
Job Description

POSITION SUMMARY: This position provides approvals on credit applications by evaluating financial information, developing financial analyses, and interpreting and applying Association credit standards.  Responsibilities include subject matter expertise and leadership on a particular market segment and providing guidance and direction to lower level credit analysts.


Credit Scoring

  • Completes lease credit scoring using current software
  • Enters credit information into internal loan software
  • Reviews scored results for accuracy
  • Identifies issues and determines if additional analysis is required
  • Sends reports to loan and lease officers
  • Monitor Credit Desk Scoring System

Credit Analysis

  • Analyzes credit worthiness by:
    • Developing long and/or short term financial projections based on customer financial data
    • Analyzing capital, capacity, collateral, conditions character and management ability of the borrower
    • Comparing the borrower’s overall financial position to industry and core lending standards and guidelines
    • Identifying potential risks of the proposed loan
  • Interprets financial data for credit assessment
  • Assists and recommends loan structure and conditions
  • Collaborates with senior credit staff on loan approvals
  • Determines loan classification, probability of default and loss given default ratings
  • Completes accrual earnings reconciliation as needed
  • Remains updated on the industries serviced by the assigned office and/or business unit
  • Completes industry specific research to validate key cash flow projections

Loan Administration

  • Communicates the status of loans in process with internal credit, sales, and operations to insure coordination between external client and GSFC
  • Works closely with sales team to complete financial counseling with key clients
  • Monitors the loan performance for the organization
  • Meets with customers to collect financial information and discuss new loan opportunities
  • Answer calls, prepare documents and requests for customer as needed

Data Security and Confidentiality

  • Appropriately protects the confidentiality, security, and integrity of the Association’s systems and data and clients’ data

Commitment and Support of Association Mission

  • Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings

Credit Analyst II duties will also include:

Credit Analysis

  • Meets with, collects, and enters data from customer and potential customers into internal software.
  • Analyzes financial data and makes recommendations for loan structure, terms, and conditions.
  • Prepares the narrative for short form analysis loans.  Assists credit officer in preparation of more complex loan narratives. 
  • Provides accurate financial analysis for complex client relationships by utilizing various software systems.
  • Qualifies and validates financial information utilized in the credit decision making process.
  • Recommends approval of credits that meet the conditions under credit scoring procedures.
  • Monitors database exception reports to ensure proper financial, collateral, and loan classifications are accurate.
  • Provides accurate financial analysis for complex client relationships by utilizing various software systems.
  • Qualifies and validates financial information utilized in the credit decision making process.

Training and Mentoring

  • Mentors staff on business policy and procedures and best practices
  • Provides functional training on operating systems, loan origination software and ad hoc analysis programs
  • Develops and presents training to less experienced analysts and market facing staff on information gathering, loan structure and analysis techniques

Financial Data Review

  • Reviews financial information provided by borrower, determines adequacy of data and requests additional data as needed
  • Determines best approach to consolidating and utilizing the financial data to make a credit recommendation

Credit Analyst III duties will also include:

Credit Analysis

  • Analyzes complex financial data and makes recommendations for loan structure, terms, and conditions.
  • Approves, modifies, or denies loans within delegated credit authority for the customer.
  • Recommends loan approval, denial, or modification for loans outside of delegated credit authority to loan committee.
  • Recommends approval or denial of credit to the Loan Officer for approval.
  • Prepares loan narrative for all levels of credits including complex loans.
  • Works directly with sales team or with customers to develop a plan to cure loan delinquencies.
  • Prepare written credit write-ups based on issues uncovered in: financial/collateral analysis, compliance with bank policy, and provide written support for the recommended risk rating of each financial analysis.
  • Prepare and review financial analyst loan requests and assist the VP of Credit Admin, RVP and Loan officer in the analysis of larger more complex requests.

Agricultural Expertise

  • Researches and evaluates trends and quantifies risk profiles
  • Shares industry knowledge with association Credit and market facing staff
  • Reviews front-end guidance and lending procedures to improve processes and outcome

Mentoring and Training

  • Provides guidance and direction to less experienced credit analysts and market facing staff
  • Assesses credit analysts’ and market facing staff skills and identifies training and development needs
  • Reviews work of credit analysts and provides feedback on quality of credit analysis
  • Develops and presents training materials on business and financial analysis

Credit Analyst II or II with capital Markets duties will also include:

  • FarmerMac entry support
  • Provides capital markets support to VP of Credit Administration


Credit Analyst I - Bachelor’s degree in accounting, ag business, agriculture, business, finance.  No experience required.
Credit Analyst II - Bachelor’s degree in accounting, ag business, agriculture, business, finance and 1 year of experience in credit related work

Credit Analyst III - Bachelor’s degree in accounting, ag business, agriculture, business, finance and 5 or more years of Credit Analyst experience with Previous bank experience. 

Positions in this class typically require: keying, talking, hearing, seeing, and repetitive motions. Sedentary Work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and other sedentary criteria are met. The employee is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer screen; and/or extensive reading.


Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 10% travel time.

The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or disability, or any other characteristic protected by law.