Portfolio Analyst responsible for analyzing complex loan applications and servicing loans at American AgCredit. Engaging in business development and maintaining customer relationships while promoting loan products.
Responsibilities
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
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