Hybrid Portfolio Analyst

at American AgCredit

• Job title: Portfolio Analyst
• Job type: Part Time
• Experience level: Senior, Lead
• Salary: $71,138 - $123,959 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Stockton, United States

About the role

• Portfolio Analyst managing complex commercial and real estate loan applications in support of the agriculture sector. Responsible for analyzing loans, servicing, and business development.

Responsibilities

• The Portfolio Analyst is responsible for analyzing and evaluating numerous or large and complex commercial and/or real estate loan application;
• servicing commercial and/or real estate loans by frequent contact with customers;
• actively pursuing new business through organized marketing and business development programs.
• Interview loan applicants; prepare loan applications, financial statements and budgets.
• Prepare spreadsheets of financial statements, e.g., balance sheets and income statements.
• 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.
• Analyzing loan applications and supporting documents.
• 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 customer.
• Communicate and promote the availability of loan products and other financially related services.
• Prepare loan servicing actions and follow-up on assigned loan portfolio.
• Interact with title companies.
• Monitor loan process.
• Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance.
• Conduct collateral inspections.
• Represent the Association at public functions.
• Conducts credit training and development programs for staff.
• May serve as a member of the employee loan committee or participate in loan committee meetings.

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