Credit Analyst

Share ideas that shape innovation. One of the world's great companies and an innovative leader in technology, John Deere offers an inclusive culture where teamwork thrives and performance is rewarded. It's the perfect career destination for high-level challenge and ongoing growth and mobility. Job Description: Credit Analyst For additional Employment Opportunities at John Deere visit: www.JohnDeereCareers.com Financing can be one of the more challenging parts of a complex farming, construction or commercial landscaping operation. John Deere Credit was founded to offer financing solutions to the industries we serve and the customers we know best. In addition to providing retail, wholesale and lease financing to help customers buy John Deere equipment, we also serve the broader needs of the agricultural industry by offering revolving credit and operating loans to help farmers purchase needed supplies and services.  John Deere Credit has also recently entered the renewable energy arena with a business unit that focuses on community-based wind projects. The company has already invested in a host of wind energy projects in the rural United States, which not only will drive additional income for farmers but will also meet our nation’s growing demand for electricity. As the demand for wind energy continues to grow, John Deere Credit is poised and ready to provide project development, debt financing and other services to those interested in harvesting the wind domestically and abroad.  John Deere Credit is seeking a Credit Analyst to make decisions on credit applications for revolving and installment finance products.  In this position you will:  Evaluate financial statements and other customer information to approve or deny routine revolving finance products, retail notes and/or leases according to guidelines, policies and procedures established by the Company including communication of decision to dealer/merchants/customers. Market and promote use of sales finance products and counsel dealers/ merchants on new marketing and/or product programs. Review and authorize additional transactions against customer's current credit limit in order to maintain and improve overall performance of portfolio. Develop and maintain business relationships with dealers/merchants, Area Sales Managers and others specific to position. Assist with solving problems, answering questions, and counseling dealers/merchants with completing financial documentation and may occasionally help with collections. Education Bachelor's Degree or equivalent work experience in the following areas:  Finance, Accounting, Business or Ag-Business.Required Skills and Experience One to three years of recent, related lending experience in an agricultural, commercial or consumer lending environment. A solid understanding of financial statement analysis and/or demonstrated leadership, decision making and project management abilities. Proven ability to demonstrate high personal work standards and a sense of urgency about results. Demonstrated ability to review data/documents for accuracy and consistency and follow procedures closely. Proven ability to maintain confidences, show consistency between words and actions and demonstrate respect for others. Proven ability to remain calm and professional in potentially emotional interactions and maintain high productivity in stressful situations. Demonstrated ability to build strong working relationships with internal and/or external customers and identify unexpressed customer needs and potential products/services to meet those needs. Proven ability to demonstrate good judgment in routine, day-to-day decisions; independently make decisions and take action, even in non-routine situations, and consider impact of various options when making decisions. Demonstrated ability to earn trust and credibility by completing own share of the team‘s work; appropriately consider others’ opinions on matters that affect the team, and support team decisions, even if different from own opinion. Demonstrated ability to gather appropriate data and diagnose the cause of a problem before taking action. Proven ability to work independently and with others in a team environment. Proven communication, organizational and problem solving skills.  Knowledge of Microsoft Office products (Word, Excel, and Access).NOTE: Telephone calls made or received by this associate, and the computer systems accessed during these calls, may be monitored or recorded for training/quality purposes. The information contained herein is not intended to be an exhaustive list of all responsibilities, duties and qualifications required of individuals performing this job. The qualifications detailed in this job description are not considered the minimum requirements necessary to perform the job, but rather as guidelines. They may vary from position to position. Join a company that keeps you growing. Because we are a large, global organization with many disciplines and locations, you'll have the opportunity to explore different roles. Plus, our continued growth constantly creates new advancement opportunities. We offer compensation based on both individual and company performance, as well as total rewards package that includes an attractive 401(k), a Defined Benefit Pension plan fully paid by the company, complete health coverage, wellness programs and a variety of other benefits designed to support your success.