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Career Opportunity


Credit Analyst

January 8, 2019
Heritage Land Bank
Tyler, TX

Company Profile:

Heritage Land Bank is a leading rural real estate and agribusiness lender in East Texas. Our total loan portfolio is over $500 million and our loans consist of poultry, livestock, nurseries, timber, crops, recreational property, and country home loans. Established 100 years ago, Heritage Land Bank is a locally owned and operated financial cooperative (Agricultural Credit Association), which is part of the Farm Credit System and the Tenth Farm Credit District. Our Corporate Office is located in Tyler, Texas and we operate ten branch offices.

Education and Experience Requirements:

Bachelor’s degree in accounting, finance, business administration, economics or other related field or commensurate experience. Applicants will have a minimum of two (2) or more years of experience with a good understanding of accounting principles, and understanding of the fundamentals of credit administration, financial analysis, accounting standards and the use of various computer accounting and financial applications and computer literacy. Applicant must know basic financial statement analysis, forecasting, cash flow and collateral analysis. Applicant must be detail oriented and an understanding of agriculture is preferred, but not required.

Essential Functions:

  • Assists loan officers in the credit and financial statement analysis, servicing, and reporting of the Association’s loan participations, mortgage and commercial type loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management.
  • Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans.
  • Performs credit analysis and financial statement analysis on moderate to complex loan originations and monitors/performs due diligence reviews of various financial participation packages and loan originations with district associations or commercial agency lenders.
  • Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures.
  • Ensures that all assigned loans are properly risk rates, assigned loss given defaults are correct and performance status assignments are proper.
  • Complies with proper credit administration practices as outlined in the Association’s policies and procedures.

To Apply:

If you meet the minimum requirements and want to be consider for this position, please visit our career postings website below to upload your resume and salary history.

Heritage Land Bank, ACA is an EOE/AA/M/F/D/V Employer

Principals only. Recruiters, please don't contact this job poster.