Senior Portfolio Analyst

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:

This position is generally responsible for analyzing and evaluating financing requests of large corporate agriculture (may include but not limited to: dairy, cattle, tree nuts, vineyards, vegetable, other agribusiness and capital markets accounts).  Job responsibilities will include: (i) general business and economic analyses; (ii) financial analysis and modeling; (iii) business valuations; (iv) processing loan applications and credit report writing.  The position requires preparation and presentation of credit reports to account officers or committees.  The position includes a broad range of servicing and monitoring responsibilities, including assisting account officers with account servicing, credit administration, and loan documentation.

ESSENTIAL DUTIES:                      

• Develops credit information for use by account officers or committees in making lending decisions on new loans, renewal loans, miscellaneous loan servicing actions and restructuring actions.  Includes interviewing prospects, customers, or lead lenders and collects or aides in gathering complete financing packages.  Co-sponsors credit requests with account officer.

• Reviews all pertinent credit and financial information; determines the need for more thorough investigation or additional information; analyzes financial statements, forecasts and related material; prepares summaries, presents facts, and offers opinions concerning credit-worthiness.  Prepares complete credit reports.

• Prepares and edits information memorandums, term sheets and related documents.  May relay information to and answer questions from participating lenders. 

• Performs credit administration, account servicing (including but not limited to, compliance and Borrowing Base validation and monitoring and periodic financial reviews), development, packaging, loan closing, documentation, and monitoring.

• Maintains control over current accounts, noting payment progress and monitoring other trends.  Keeps account officers informed of trends and compliance with covenants.

• Participates in the preparation of general business and economic research and analysis; provides statistical reports, and verifies information.

• Develops spreadsheets and other automated tools for credit analysis, special projects, or presentations.  Processes credit requests through online loan origination system.

• Participates in collateral control activities including but not limited to, inventory analysis and verification, and accounts receivable maintenance and verification.

• Participates in the training and development of other Association staff, and review the work of others.

• Perform other functions/duties as assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Generally exercises no supervision.  Makes independent decisions; works under general direction of the Underwriting Leadership. May mentor or train other staff.

TYPICAL EDUCATION AND EXPERIENCE:

Senior Corporate Portfolio Manager- VP

VP Senior Portfolio Analyst will work independently managing their portfolio and customer interactions. Portfolios managed will have an increased level of complexity and size. The VP is expected to operate independently, proactively solution, and serve as a key partner in customer interactions.

• Bachelor’s degree required, majors in finance, business or related field is preferred.  Familiar with accounting principles, and banking policies, procedures and processes. 

• Seven (7) years of prior experience in credit/financial analysis work is required.