CREDIT BUREAU ANALYST

Wilbur-Ellis invests heavily in our employees by offering skill development and training, competitive compensation and benefits, and a tradition of promoting from within for a broad range of career opportunities. The Credit Analyst II supports the Senior Credit Analyst and Credit Managers in portfolio management, including underwriting large agricultural accounts, financial reporting, data analysis, asset discovery, and management of the accounts receivable portfolio from origination through collection. This role works across the enterprise with accounts nationwide and plays a key role in evaluating customer creditworthiness and repayment capacity. The position assists with large customer credit reviews through financial statement analysis, industry research, and business credit report evaluation. The Credit Analyst II also supports risk management efforts while ensuring compliance with company policies and applicable regulations. Analyze large agricultural accounts for creditworthiness, typically with credit limits exceeding $500,000 and more. Evaluate repayment capacity and overall creditworthiness of potential and existing customers. Analyze borrower financial statements, tax returns, balance sheets, income statements, and cash flow reports. Conduct thorough credit reviews and provide informed underwriting recommendations. Consolidate and analyze customer financial and tax information to draw conclusions and support credit decisions. Run business and trade reports for potential and existing customers. Assist with large customer credit reviews by analyzing financial statements, industry trends, and business credit reports. Draft security agreements and UCC-1 filings and perform lien priority analysis in accordance with UCC rules. Support collections efforts by identifying and analyzing assets tied to past-due accounts. Assist Credit Specialists as needed. Communicate regularly with Credit Managers and the Director of Credit and Financing. Support portfolio management activities, financial reporting, data analysis, asset discovery, and accounts receivable management from origination through collection. 2+ years of credit analysis, underwriting, banking, commercial finance, or agricultural lending experience

• Strong financial statement and cash flow analysis skills
• Knowledge of credit underwriting and risk assessment
• Intermediate analytical skills with the ability to interpret data and make informed decisions
• Knowledge of risk management practices and the ability to maintain high standards while aligning with company credit policies
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook
• Bachelor’s degree in finance, accounting, business, or an agriculture-related field is preferred

Your Digital & Technology Capabilities: Proficiency in Microsoft Office applications, including Excel for financial analysis, reporting, and data management Ability to leverage data analytics, reporting tools, and business intelligence insights to support credit decisions and portfolio management activities Comfortable adopting new technologies, including digital collaboration platforms, workflow automation tools, and AI-powered solutions such as Microsoft Copilot to improve efficiency and decision-making You have an understanding of seasonal cash flow patterns and working capital needs within agricultural operations You enjoy working in a collaborative environment while supporting credit, underwriting, and portfolio management objectives This position is eligible for an annual discretionary bonus and vacation, holidays, health, dental, vision, mental health, and retirement plan participation, including an employer contribution of up to 7% into your 401(k). Our Commitment to Diversity & Inclusion: Diversity of people, cultures, opinions, and ideas makes us all stronger. Wilbur-Ellis markets and distributes agricultural products, animal feed specialty chemicals, and food ingredients. Our employees are both leaders and team players who thrive on creativity, entrepreneurial spirit, and a dedication to quality work, our customers, and each other. Wilbur-Ellis invests heavily in our employees by offering skill development and training, competitive compensation and benefits, and a tradition of promoting from within for a broad range of career opportunities. Follow our career social media accounts! Instagram: IG • TikTok: TikTok • Facebook: FB • LinkedIn: LinkedIn