Credit Analyst-Ag Lending Focus

Credit Analyst - Ag Lending Focus Southern Illinois Full-Time | Competitive Compensation | On-Site or Hybrid A relationship-centered financial institution in Southern Illinois is looking to add an experienced Credit Analyst to its growing credit team. This role is ideal for a motivated analyst with commercial and ag credit experience who enjoys digging into complex balance sheets and structuring smart lending solutions for community-focused borrowers. About the Role As part of the risk management team, you'll evaluate the financial strength of commercial, agricultural, real estate, and consumer loan applicants. While working closely with lenders and participating in credit discussions, you'll maintain independence in your analysis and play a key role in ensuring loan quality and portfolio performance. Key Responsibilities

• Underwrite ag, commercial, and real estate credits using tax returns, financial statements, and cash flow analysis
• Prepare loan write-ups that summarize risk, repayment sources, collateral values, and loan-to-value ratios
• Develop financial spreads, projections, and ratio analyses in Excel
• Recommend risk ratings and identify policy exceptions
• Support loan officers in structuring and pricing credit requests
• Present and explain findings during loan committee meetings (as a non-voting member)
• Assist with annual portfolio reviews and audit requests
• Monitor existing credit relationships and help identify emerging risk trends
• Serve as a resource for

BSA/AML/OFAC

awareness and regulatory compliance What You Bring

• Bachelor's degree in Finance, Accounting, Economics, Agribusiness, or related field
• 2-4 years of credit analysis experience, ideally in a commercial or community bank
• Strong understanding of agricultural cash flow and collateral valuation
• Proficiency in financial modeling and Excel (pivot tables, formulas, data validation)
• Excellent communication skills and ability to prepare clear, concise loan presentations
• Independent judgment, attention to detail, and ability to manage multiple priorities
• Familiarity with loan policy, loan operations, and credit risk management Why This Role
• Focus on ag lending within a stable, community-rooted institution
• Direct collaboration with senior credit and lending leaders
• Flexibility for hybrid scheduling based on experience and performance
• Growth path into senior analyst or portfolio/loan officer roles Compensation & Benefits Competitive base salary with full benefits package, commensurate with experience.

Schedule & Work Environment Monday through Friday, standard business hours. On-site role with potential hybrid flexibility depending on candidate fit. How to Apply Submit your resume in confidence to: 📧 crystal.fryers@gogpac.com