Note: The job is a remote job and is open to candidates in USA. American AgCredit is a national financial organization supporting the agricultural industry and the communities it serves. The Portfolio Analyst manages a designated dairy loan portfolio, analyzes loan applications and servicing requests, develops credit packages, and supports credit decisions. The role also monitors portfolio compliance, coordinates loan documentation and closings, and serves as a secondary customer contact.
Responsibilities
- Assists the Relationship Manager in the gathering of information necessary to make appropriate credit decisions. This includes meeting with the customer with the Relationship Manager and asking appropriate questions regarding the financial information, as well as calling the customer directly for follow up questions on the application package submitted
- Develops credit packages and loan servicing actions
- 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
- 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 non-complex credits. Participates in loan committee meetings as may be required
- Demonstrated analytical and statistical skills to effectively evaluate loan requests and make the appropropriate 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
- Assists with any special projects and or work groups needing underwriting expertise as assigned
- Performs other duties assigned
Skills
- Dairy
- BA/BS degree with emphasis on agribusiness, business administration, or equivalent
- Five or more years of progressively responsible banking or related agricultural lending experience
- Demonstrated analytical and statistical skills to effectively evaluate loan request 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
- Must have the ability to perform basic office tasks and work in a typical office setting
- Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period
- Must have strong written and verbal communication skills to adequately convey ideas and work well with a team
- Ability to talk and hear, sit, and use their hands and fingers, and reach in all directions is essential in performance of the job
- Some lifting and moving of items up to 25 pounds required
- Work during established business hours and weekend and/or evening work
- Some travel required
- FULL-TIME REMOTE: These roles and job functions can be done remotely, while maintaining our strong commitment to customer service and our business goals. Employees are welcome to come to an office to work if needed, and some travel for team meetings will be required
- All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants
Benefits
- 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
- Full-time remote work arrangement; employees are welcome to come to an office to work if needed, and some travel for team meetings will be required
Company Overview