Credit Analyst, Power, Energy & Utilities

Summary: CoBank is a cooperative bank serving vital industries across rural America, providing loans and financial services to agribusinesses and rural providers. They are seeking a Credit Analyst to prepare credit analyses, conduct investigations, and support account servicing and credit administration. Responsibilities: - Prepares analyses and conducts credit investigations of routine credits in accordance with prescribed methods and procedures - Prepares and/or assists in the preparation of credit reports for appropriate staff or committees - Cosponsors or approves credits within prescribed credit limits - Assists with account servicing, credit administration, and documentation - Provides support with research and statistical analyses - Develops credit information for use by appropriate staff and committees in making decisions about credit arrangements for new, renewal, or extension loans - Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information - Analyzes information statements and related material and prepares thorough, well-written, and clear credit reports - Prepares summaries, presents facts, and offers opinions concerning credit-worthiness - Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information - Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring - Maintains control over current accounts, monitoring for payment progress and any developing problems - Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit managers - Assists in the preparation of internal research and analysis, provides statistical reports, and verifies information - Prepares and delivers presentations on topics as assigned - Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations - Maintains expertise in assigned industries or market sectors - Keeps abreast of industry trends and competitive environment Required Qualifications: - Bachelor's Degree in business, finance, or relevant discipline - 1 year in credit/finance, preferably in banking or financial services industry required - Basic knowledge of financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis - Intermediate knowledge of financial modeling techniques and preparation of pro forma financial statements Required Skills: Credit analysis, Financial modeling Important Skills: Financial analysis, Statistical analysis Benefits: Careers with a purpose, Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays, Competitive Compensation & Incentive, Hybrid work model: flexible arrangements for most positions, Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance, Robust associate training and development with CoBank University, Tuition reimbursement for higher education, Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match, Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution, Associate Resource Groups: creating a culture of respect and inclusion, Recognize a fellow associate through our GEM awards