Analyst, Credit Experienced
CHS Inc. is a leading global agribusiness owned by farmers, ranchers and cooperatives across the United States that provides grain, food and energy resources to businesses and consumers around the world. We serve agriculture customers and consumers across the United States and around the world. Most of our employees are in the United States, but today we have employees in 19 countries. At CHS, we are creating connections to empower agriculture. Summary CHS is hiring an Experienced Credit Analyst to join its finance team. The Experienced Credit Analyst will evaluate customer creditworthiness, manage assigned credit portfolios and make recommendations that help protect CHS from financial risk while supporting business growth. This role partners closely with customers and internal business teams to establish appropriate credit terms, monitor account balances, negotiate collateral requirements and resolve moderately complex credit matters. The ideal candidate brings strong financial analysis, sound judgment, negotiation skills and a customer-focused approach. This is a hybrid position based in Mitchell, SD. Responsibilities Manage third party financing activity, including applications, advances, and payments for internal and external lenders. Perform pre-sale credit risk evaluations on new customers, with emphasis on financial statement analysis as well as evaluation of data obtained from bank and trade references. Conduct financial credit evaluations on assigned portfolios of customers, identifying key risk elements for each account, assign risk ratings and recommend appropriate action to reduce risk to CHS when warranted. Approve credit line amounts within assigned authority level. Manage customer account balances to their approved credit line amounts. Negotiate collateral\security requirements with customers. Coordinate with the Collections and the Legal departments on delinquent accounts in order to optimize CHS cash flow. Critically and logically evaluate the costs, risks and benefits of alternative actions before making decisions. Resolve moderately complex credit problems and confer with management on highly sensitive accounts. Participate in special projects enhancing the department effectiveness by leveraging technology and the integration of Accounts Receivable portfolio with risk assessment tools. Maintain and promote a strong safety culture and follow all safety policies, procedures and regulations. Identify and communicate workplace hazards and correct or seek assistance in correcting unsafe actions or conditions. Perform other responsibilities as needed or assigned. Minimum Qualifications (required) High School diploma or GED 2 years of experience in Finance, Accounting and/or Credit Additional Qualifications Proficient in MS Office suite Strong critical thinking, financial analysis and decision making skills Strong negotiation and communication skills, both verbal and written Demonstrated ability to collaborate with business partners, build and maintain positive customer relationships, and provide excellent customer service Bachelor's degree preferred in Finance, Accounting, Statistics, Economics, Business, Business Administration, or related field Pre-employment screening is based on the job requirements and industry guidelines and may or may not be required for the position. If required, selected candidates must pass pre-employment screenings to include all or a combination of drug, criminal, motor vehicle check, physical requirements and FMSCA Clearinghouse. LI-WB1 CHS offers a competitive total rewards package. Compensation includes base wage and, depending upon position, may include other earnings such as bonus, incentives and commissions. Actual pay offered will vary based on multiple factors which may include, without limitation, experience, education, training, specialized skills and certifications, minimum wage/salary requirements under local law. Benefits include medical, dental, vision, wellness programs, life insurance, health and dependent care spending accounts, paid time off, 401(k), pension, profit sharing, short- and long-term disability, tuition reimbursement and adoption assistance, subject to the eligibility requirements for each benefit plan. CHS is an Equal Opportunity Employer/Veterans/Disability. Please note that any communication from a CHS recruiter would be sent using a chsinc.com email address. In addition, a CHS recruiter will not ask for confidential information over the phone or in an email, or request money from a candidate involved in an offer process. If you have questions regarding an employment opportunity, please reach out to [email protected] ; to verify that the communication is from CHS.
