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
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