Credit Officer Ag Lending

### Job Details####

Job Title:

Credit Officer Ag Lending  ####

Location:

, , ,  #### Company:  #### Industry Sector:  ####

Industry Type:

#### Career Type:  #### Job Type:Full Time  #### Minimum Years Experience

Required:

N/A  #### Salary:$62,700 - $99,700 USD    ### Get Job Alerts
** Career Type:
** Agronomist   
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** Where you will work:
** This position offers a hybrid work option up to 50% and is based out of the Bloomington, IL or Edwards, IL office locations.
** The contributions you will make:
** This position analyzes new credit requests, makes loan servicing decisions for existing clients and performs other essential credit duties. Completes the financial analysis and underwriting on a variety of crop and livestock industries throughout Compeer's territory. Makes credit decisions that are consistent with established credit policies, procedures and best practices. This position approves or denies requests within their delegated authority with a majority of the time being spent on completing loan analysis and communicating decisions to internal and external team members.

Works with clients and Financial Officers to discuss loan packages and provides financial counseling to clients. Visits clients, as needed.
** A typical day:
** Credit Analysis
* Analyzes financial and supporting documentation submitted for formal and informal lending and servicing requests.
* Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.
* Approves, declines, or escalates credit decision to higher authority levels as required.
* Determines appropriate level of analysis and due diligence required based on credit risk.
* Determines appropriate account classification and probability of default rating.
* Effectively communicates credit decision, terms, conditions, and findings through a formal narrative write-up.
* Establishes loan conditions and closing requirements for approved actions.
* Answers questions and provides direction on credit related issues that arise during the processing, closing, and servicing of lending transactions.
* Facilitates negotiation of credit agreements between Compeer, borrower, participants and outside counsel.
* Creates innovative credit packages to meet client needs.

Loan Servicing and Credit Administration
* Proactively monitors lending portfolio and loan performance for the organization and provides direction for loan classification.
* Works directly with sales team or with clients to develop a plan to cure loan delinquencies or other servicing requests.
* Determines how to structure stressed credits to meet internal lending requirements, client expectations, and organizational growth objectives.
* Coordinates with sales and RAU teams to develop servicing plans and other monitoring requirements for higher risk client relationships.
* Monitors database exception reports to ensure proper financial, collateral, and loan classifications are accurate.
* Works closely with sales and operations teams to understand quantitative and qualitative information to balance credit risk with portfolio growth.

Client Relations
* Works jointly with Financial Officers and other team members to implement Team Relationship Model approach with clients.
* Meets with clients to provide quantitative assessments of financial performance in relation to Compeer credit standards and industry norms.
* Prepares and presents financial peer reports, industry benchmark analysis and other financial…