Senior Portfolio Analyst-Corporate; Dairy & Protein

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.

• 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.

Responsible for the management of a designated loan portfolio typically consisting of large, complex commercial and mortgage loans, including loans participated/syndicated with other Farm Credit Associations or Commercial Banks. Key industries of focus for this position include Dairy and Protein. Analyzes new loan applications and other loan servicing requests through the thorough analysis of financial statements and other pertinent credit information, and develops credit packages.

The Senior Portfolio Analyst will assist the Relationship Manager in gathering the required information necessary to make appropriate credit decisions, and analyze credit and servicing requests from start to finish. Will serve as a secondary point of contact for the customer. This position will make recommendations on loan and servicing requests based on the Association's Loan Underwriting Standards. Responsible for the approval/denial of credit actions through either the utilization of assigned delegated authority or recommendation to a higher level of delegated authority.

• 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.
• 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.

Generally exercises no supervision but may serve as a mentor; makes independent decisions; works under general supervision…