Financial Analyst

About The Company

Rural King is America's Farm and Home Store, providing essentials to the communities we serve. With a wide array of necessities ranging from food and feed to farm and home products, Rural King serves over 150 locations across 17 states and is constantly expanding. Our annual sales exceed $2.5 billion, and our heart beats in Mattoon, Illinois, which is home to our corporate office, distribution center, and flagship store.

One thing our customers appreciate is our unique shopping experience, complete with complimentary popcorn and coffee. It's just one way we show our appreciation for their support.

At Rural King, we value our associates and strive to create a positive, rewarding workplace. We offer growth opportunities, competitive benefits, and a people-first environment where dedicated individuals come together to serve rural communities passionately. Join us, and you'll find not just a job but a chance to grow professionally, contribute meaningfully, and make a difference in the lives of those we serve.

We believe in fostering a culture of integrity, teamwork, and innovation, ensuring our employees are supported and empowered to succeed in their careers.

About The Role

The Financial Analyst at Rural King plays a crucial role in evaluating prospective real estate investments, development projects, and acquisitions. This position is instrumental in underwriting deals, assessing financial feasibility, and supporting strategic decision-making through detailed financial modeling and market analysis. The role requires a high level of analytical skill, attention to detail, and the ability to work collaboratively with various teams including acquisition, disposition, and leadership.

The successful candidate will be responsible for building and maintaining complex financial models to evaluate potential investments and developments, analyzing key financial metrics such as IRR, NPV, and cash-on-cash returns. They will perform scenario and risk analysis to identify potential downside exposures and support site selection and acquisition strategies through comprehensive financial and market evaluations. Additionally, the analyst will review third-party reports, prepare investment memorandums, and assist in refinancing and disposition activities.

This role involves managing multiple projects independently, often crossing different business units or geographic locations. The analyst will utilize discretion and judgment in daily decision-making processes and may be required to cross-train or perform other duties as needed to support the organization’s objectives.

The ideal candidate will be detail-oriented, proactive, and capable of working in a fast-paced environment while maintaining accuracy and professionalism in all tasks.

Qualifications

Essential Qualities for Success

• At least 5 years of experience as a financial analyst or an equivalent combination of experience and education.
• Bachelor's degree in finance, accounting, or a related field is required.
• Proven ability to achieve desired results and meet organizational goals.
• Strong problem-solving skills and the ability to partner effectively with cross-functional teams.
• Advanced financial analysis skills with an understanding of real estate nuances.
• Experience in preparing data sets, statistical reports, and utilizing computer applications to support financial analysis.
• Solid understanding of financial statements and financial reports.
• Proficiency in MS Office, especially Excel, is essential.
• Ability to participate in online onboarding processes and adapt to organizational systems.

Physical Requirements

• Ability to maintain seated or standing positions for extended periods.
• Capability to lift up to 15 pounds periodically.
• Ability to navigate and access all facilities comfortably.
• Effective verbal communication skills, both in-person and electronically.
• Good visual acuity for computer-related tasks.

Reasonable accommodations may be provided to enable individuals with disabilities to perform essential job functions.

Responsibilities

What You'll Do

• Build and maintain complex financial models (Excel-based) for acquisitions, developments, redevelopments, leases, and dispositions.
• Analyze key financial metrics such as IRR, NPV, equity multiples, and cash-on-cash returns, including sensitivity scenarios.
• Perform scenario and risk analysis to evaluate potential downside exposure.
• Support site selection and acquisition strategies through comprehensive financial and market evaluations.
• Review appraisals, broker opinions of value, and third-party reports to ensure accuracy and reliability.
• Prepare investment memorandums and executive summaries for internal approval and presentation purposes.
• Track and compare projected versus actual performance post-acquisition to inform future decisions.
• Assist in refinancing and disposition analysis to optimize investment outcomes.
• Develop an understanding of business units and supporting operating systems to enhance financial evaluations.
• Manage complex projects independently, often involving multiple divisions or geographic areas.
• Utilize discretion and independent judgment in daily decision-making processes.
• Cross-train and perform other related duties as necessary to support team and organizational goals.

Supervisory Responsibilities

None

Benefits

Rural King offers a comprehensive benefits package designed to support our employees' health, financial security, and well-being. Our benefits include a 401(k) plan with a 100% match on the first 3% of contributions and 50% of the next 2%, healthcare plans, and virtual doctor visits to ensure easy access to medical care. Employees also enjoy a 15%