Note: The job is a remote job and is open to candidates in USA. American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. The Senior Portfolio Analyst is responsible for managing a designated loan portfolio, analyzing new loan applications, and assisting in credit decisions while ensuring compliance with underwriting standards.
Responsibilities
- Assists the Relationship Manager in the gathering of information necessary to make appropriate credit decisions. This includes meeting with the customer and asking appropriate questions regarding the financial information submitted as well as all aspects of their operation
- Able to call the customer directly for follow up questions on the application package submitted and lead additional conversations as needed
- Develops credit packages and loan servicing actions
- Responsible for larger and more complex credits in the portfolio
- Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information
- Requests appraisal/field reports, obtain third party verifications, obtain credit reports, and request lien searches as necessary
- Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, and offering opinions concerning credit worthiness, risks and mitigants, and other forms as required. Formulates projections using historical financial data, current budgets and other information
- Exhibits a strong understanding of sound credit administration practices with the ability to differentially analyze complex requests and accurately identify risks and inconsistencies
- Inputs all required financial information and data into the financial analysis, loan origination and other loan processing systems
- Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements. Able to independently make approval recommendations on complex credits with limited oversight from organizational management. Participates in loan committee meetings as may be required. Analysts in this role are required to support and articulate their credit decision
- Responsible for preparing information for Participation/Syndication partners as needed and participates in lender meetings as may be required
- Demonstrated analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization
- Monitors assigned portfolio to determine potential servicing needs of the customer and to ensure customers stay in compliance with the terms and conditions of their loan(s)
- Determines and reviews legal documentation. Coordinates with all credit and approval departments as well as with attorney’s and title companies on loan closings, as needed
- Contribute to process improvement initiatives as assigned
- Represent the underwriting team in cross-functional projects and strategic planning efforts as assigned
- Performs other duties assigned
Skills
- BA/BS degree with emphasis on agribusiness, business administration, or equivalent
- Eight or more years of progressively responsible banking or related agricultural lending experience
- Demonstrated analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization
- Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures
- Knowledge of Participation and Syndication credits
- 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
- The position is bonus eligible based on association and personal performance
Company Overview