About the role

  • Analyze and evaluate numerous large and complex commercial and/or real estate loan applications
  • Service commercial and/or real estate loans by frequent contact with customers
  • Actively pursue new business through organized marketing and business development programs
  • Interview loan applicants; prepare loan applications, financial statements and budgets
  • Input all required data into the loan origination and loan processing systems
  • Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information
  • Analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness
  • Recommend approval or denial of loans, or approve/deny loans within lending authority
  • Determine and review legal documentation
  • Verify financial statements, review credit reports, and collect relevant data
  • Communicate Association credit philosophy and stock requirements to customers
  • Monitor loan processes and interact with title companies
  • Conduct 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

Job type

Experience level

SeniorLead

Salary

$71,139 - $123,959 per year

Degree requirement

Bachelor's Degree

Location requirements

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