Portfolio Analyst - Commercial

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• 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

Position will be posted until filled.

BASIC FUNCTION:

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; and actively pursuing new business through organized marketing and business development programs.  May be responsible for management of existing designated loan portfolio; renewal operating loans and term loans.

ESSENTIAL DUTIES:              

• 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. 

• Perform other duties assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Exercises no supervision; makes independent decisions; works under general supervision of VP-Regional Credit Underwriting, or designee.

TYPICAL EDUCATION AND EXPERIENCE:

• 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.

• Provides training to credit staff and may serve as a member of or participate in loan committee meetings.

JOB REQUIREMENTS:

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 of time