Credit Officer Risk

Gh Gruppe; Macomb (IL); Hybrid; USD 62,000 - 100,000; Full time

Job summary

An established industry player is seeking a dedicated professional to manage high-risk asset portfolios and provide financial solutions for rural communities. This role offers a unique opportunity to work in a hybrid environment, promoting both personal and professional growth. You will evaluate credit risk, analyze financial data, and collaborate with team members to deliver tailored financial solutions. With a commitment to empowering employees, this position not only offers competitive compensation but also a range of benefits designed to support your well-being and career development. Join a culture that values meaningful work and flexible schedules, making a real impact in the community.

Benefits

Flexible schedules

401k contribution

Medical benefits

Dental benefits

Vision benefits

Paid time off

Learning and development programs

Qualifications

• Bachelor's degree in agriculture, finance, or accounting is preferred.
• Experience in agriculture and business/finance is advantageous.

Responsibilities

• Manage high-risk asset portfolios and evaluate credit decisions.
• Analyze financial information for lending and servicing requests.

Skills

Financial Analysis

Credit Risk Assessment

Communication Skills

Loan Analysis

Negotiation Skills

Analytical Skills

Education

Bachelor’s degree in agriculture, finance, or accounting

Tools

Word

Excel

PowerPoint

Outlook

Job description

IL-Macomb, IL-Quincy, IL-Monmouth, Open to any Compeer location

Empowered to live. Inspired to work.
Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that promotes meaningful work and professional development, provides a flexible, hybrid work environment, and excellent benefits, empowering you to thrive both personally and professionally.

How we support you:

• Hybrid model – up to 50% work from home
• Flexible schedules including ample flexibility in the summer months
• Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match)
• Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP
• Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off
• Learning and development programs
• Cross-functional committee opportunities (i.e. Diversity & Inclusion Council, emerging professional groups, etc.)
• Professional membership/certification reimbursement and more!

This position is responsible for the management and servicing of high-risk asset portfolios across an assigned region or territory. Evaluates, underwrites, and makes credit decisions for commercial, traditional, investor, and consumer loan requests originated by Compeer team members and decides if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship-based financial solutions for farmers, investors, and rural consumers in area of expertise within delegated authority. May be assigned a specific industry or subject matter on which to focus.

A typical day:

• Analyzes financial and supporting information 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 decisions to higher authority levels as required.
• Effectively communicates the credit decision, terms, conditions, and findings through a formal narrative write-up.
• Establishes loan conditions and closing requirements for approved actions.
• Partners with team members to provide credit counsel and financial solution options for clients.
• Determines how to structure credits to meet internal lending requirements, client expectations, and the organization's growth objectives.
• Meets with clients to provide quantitative assessments of financial performance in relation to internal lending standards.

The skills and experience we prefer you have:

• Bachelor’s degree in agriculture, finance, accounting, or related field; or an equivalent combination of education and experience sufficient to perform the essential functions of the job.
• Experience in agriculture and business/finance.
• Oral and written communication skills sufficient to discuss a variety of job-related topics and effectively communicate complex topics to a variety of audiences.
• Skill in analyzing information to formulate logical and objective conclusions.
• Skill in utilizing Word/Excel/PowerPoint/Outlook to increase efficiency and/or effectiveness.
• Solid knowledge of loan analysis and sound credit administration principles.
• Skill in negotiating acceptable and favorable terms and conditions related to loan collections.
• Solid knowledge of Borrower Rights related to loan servicing.

How we will take care of you:

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role may also be eligible for variable compensation and other benefits.

Level 1: $62,700 - $99,700 USD

Level 2: $82,400 - $124,500 USD

Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.

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