Senior Credit Analyst

Position : Senior Credit Analyst

Location : Fresno, CA

Areas of Responsibility :

Fresno Madera Farm Credit is searching for a self-motivated, highly driven individual to join our fast-paced team environment. The Senior Credit Analyst will report directly to the Vice President, Director, Credit Administration and will be responsible for underwriting a portfolio of large and complex loan applications. Responsibilities include making recommendations, diligently using assigned delegated lending authority where applicable, and performing all aspects of underwriting – such as evaluating financial information, developing financial analyses, and interpreting and applying Association credit standards relevant to each application under consideration.

Essential Responsibilities :

Loan Underwriting

• Evaluate borrower creditworthiness by reviewing loan officer recommendations, identifying policy gaps, and analyzing capital, capacity, collateral, character, and conditions.
• Develop financial projections and compare borrower performance to industry and core lending standards.
• Identify potential risks and recommend mitigating factors.
• Prepare clear, well-supported credit narratives and present findings to support decisions.
• Approve or deny credit applications and servicing actions within delegated authority; recommend decisions for requests exceeding authority.
• Propose loan structures and conditions to support approvals.
• Prepare and present materials to the credit committee for final approval.

Capital Markets and Participation Loan Underwriting

Loan Servicing

Mentorship

Credit Administration

Special Projects

Knowledge, Skills, and Abilities

Minimum Qualifications

Physical Requirements

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

ABOUT US

Established in 1917, Fresno Madera Farm Credit, headquartered in Fresno, provides quality credit and financial services in California's Central Valley. Our mission is to provide access to credit and related services to farmers and ranchers in our region. As an efficient organization, FMFC delivers quality service with people that are passionate about creating the best possible customer experience for the generations of farmers and ranchers that we proudly serve. Fresno Madera Farm Credit offers competitive compensation packages and excellent benefit programs. We have a team-driven, performance-focused culture, with a strong focus on customer service, and fulfilling our mission to agriculture.