Sr. Ag Financial Analyst
Department: Agricultural & Commercial Lending
FLSA: Exempt
EEO: First/Mid-Level Officials and Managers
Salary Grade: 13
Salary Range: Min: $91,810.39 Mid: $114,762.98 Max: $137,715.5820
Reporting Structure: EVP / Chief Credit Officer
People Vision: At Sun, our people shine brightest. We create a culture of empathy, care, and connection that empowers brighter futures and supports well-being for all. Because when we care, lives change.
Position Purpose: Sun Community Federal Credit Union is in the people business. As a Sr. Ag Financial Analyst, you play a critical role in supporting responsible growth through thoughtful credit analysis and sound risk assessment.
In this role, you will independently evaluate agricultural and commercial credit requests, analyze financial and collateral information, and develop well-supported credit recommendations. You will partner closely with the EVP/Chief Credit Officer and key stakeholders to structure transactions, monitor portfolio performance, and ensure a strong, compliant lending environment.
Success in this role means delivering accurate, timely analysis, supporting strategic lending decisions, and helping drive a high-quality member and borrower experience.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
Credit Analysis & Underwriting
- Perform detailed, independent financial and collateral analysis for agricultural and commercial credit requests.
- Evaluate business plans, financial statements, projections, and operating performance.
- Assess collateral feasibility in relation to loan structure, market conditions, and industry trends.
- Develop clear, data-driven conclusions and recommendations.
- Support both new credit requests and ongoing portfolio reviews, including annual term reviews.
- Recommend appropriate credit structures in alignment with Credit Union policies.
Credit Documentation & Reporting
- Prepare clear, concise, and timely written credit authorizations with complete and accurate information.
- Analyze industry, commodity, and market trends to support lending decisions.
- Prepare financial reports and analysis including budgets, forecasts, cash flow projections, and business plans.
Portfolio Monitoring & Risk Man