Senior Financial Analyst - Credit & Co-Lending

About the Position

Agricover Credit IFN is expanding its Financial Analysis team and is seeking a Senior Financial Analyst – Credit & Co-Lending to join a team involved in analyzing, structuring, and developing financing solutions for companies in the agricultural sector.

The role involves direct collaboration with the Head of Structuring & Co-Lending, as well as with Risk, Sales, Legal, and Operations teams, and offers exposure to complex financing transactions and partnerships.

Responsibilities

1. Financial & Credit Analysis

• Analyze financial statements, cash flow, leverage, and repayment capacity of companies.

• Conduct financial projections and stress scenarios, evaluating the impact on DSCR, leverage, liquidity, and payment capacity.

• For agricultural companies, analyze cash flow seasonality, working capital needs, and agricultural cycles.

• Use cost, production, and price benchmarks and evaluate scenarios regarding production and price evolution.

2. Structuring Financing

• Evaluate the existing financing structure and identify the optimal structure for the transaction.

• Contribute to structuring co-lending financing, including value, maturity, amortization, seniority, guarantees, and covenants.

• Prepare financing proposals and materials for the Credit Committee, highlighting risks, mitigators, and recommended conditions.

3. Co-Lending & Financial Partners

• Collaborate with financial partners to align on eligibility criteria, risk appetite, and financing conditions.

• Prepare the financial package necessary for transaction analysis by co-lending partners.

• Identify differences between internal credit methodology and partner requirements and contribute to finding structuring solutions.

4. Portfolio Management & Risk

• Monitor transactions and portfolio, including covenants, early-warning indicators, and repayment capacity.

• Participate in periodic client reviews and formulate recommendations regarding maintaining, restructuring, or modifying exposures.

• Collaborate with Risk, Sales, Legal, and Operations teams throughout the transaction cycle.

5. Expertise & Development

• Provide support and mentorship to junior and mid-level financial analysts.

• Contribute to improving financial analysis models, scoring, credit procedures, and co-lending framework.

Requirements

• Relevant experience in financial analysis, credit, corporate lending, risk, or structuring.

• Experience in analyzing financial statements and building financial projections and models.

• Solid knowledge of DSCR, leverage, liquidity, and debt service capacity.

• Ability to evaluate and structure complex financing.

• Experience in co-lending, syndicated lending, club deals, or collaboration with financial institutions is a plus.

• Experience in financing companies in the agriculture sector is a plus.

• Advanced Excel skills and strong analytical and synthesis capabilities.

• Good communication skills and the ability to argue credit recommendations.

• English – good level.

We Offer

• Exposure to complex financing and co-lending transactions.

• Direct collaboration with the Head of Structuring & Co-Lending and financial partners.

• A role that combines financial analysis, credit underwriting, and structuring.

• The opportunity to contribute to the development of co-lending processes and frameworks.

• A chance to work in a sector with specific financial characteristics: agriculture and its seasonal cycles.

Reports to Financial Analysis Coordinator

About the Company

Agricover Credit IFN is a leading financial institution dedicated to providing innovative financing solutions to the agricultural sector, helping companies thrive in a challenging environment.