Hybrid Portfolio Analyst – Commercial

Posted 1 hour ago

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About the role

  • Portfolio Analyst responsible for analyzing and evaluating commercial and real estate loan applications. Servicing loans and pursuing new business through marketing and business development.

Responsibilities

  • Analyzing and evaluating numerous or large and complex commercial and/or real estate loan applications
  • Servicing commercial and/or real estate loans by frequent contact with customers
  • Actively pursuing new business through organized marketing and business development programs
  • Interviewing loan applicants; preparing loan applications, financial statements and budgets
  • Preparing spreadsheets of financial statements, e.g., balance sheets and income statements
  • Inputting all required data into the loan origination and loan processing systems
  • Reviewing all pertinent credit and financial information
  • Analyzing loan applications and supporting documents
  • Recommending approval or denial of loans, or approving/denying loans within lending authority
  • Determining and reviewing legal documentation
  • Verifying financial statements, reviewing credit reports, and collecting relevant data
  • Communicating Association credit philosophy and stock requirements to customers
  • Promoting the availability of loan products and other financially related services
  • Preparing loan servicing actions and following-up on assigned loan portfolio
  • Interacting with title companies
  • Monitoring loan process
  • Providing backup to loan officers on customer service issues
  • Conducting collateral inspections
  • Representing the Association at public functions
  • Conducting credit training and development programs for staff

Requirements

  • At least eight years progressively responsible banking or related agricultural lending experience
  • BA/BS degree with emphasis on agribusiness, business administration, or equivalent
  • Strong credit and analytical skills
  • Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures
  • Knowledge of FCA regulations, association, and district policies and procedures
  • Demonstrated proficiency in organizing and prioritizing work to meet deadlines
  • Strong written and verbal communication skills
  • Strong persuasive and interpersonal skills
  • Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.

Benefits

  • Commitment to agriculture and the communities we serve
  • Family friendly work environment
  • Investment in employee development
  • Medical, Dental and Vision coverage
  • Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
  • Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
  • Competitive Incentive Compensation Plan
  • Disability & Life Insurance
  • Employee mental, physical, and financial wellness programs

Job title

Portfolio Analyst – Commercial

Job type

Experience level

SeniorLead

Salary

$71,138 - $123,959 per year

Degree requirement

Bachelor's Degree

Location requirements

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