Credit Underwriter

AgWest Farm Credit; Ontario (OR); On-site; USD 60,000 - 100,000; Full time

Benefits offered by this job

Relocation assistance

Job summary

AgWest Farm Credit invites applications for a Credit Underwriter I or II in Oregon. This full-time role supports the Oregon Lending and Insurance department with credit analysis for simple to moderately complex credits.

Opportunities available in Baker City, Ontario, or Pendleton, with relocation assistance for eligible candidates. The base salary ranges reported for Level I and Level II reflect competitive compensation and incentive targets of 10% and 12% of base pay respectively.

Qualifications

• Gather financial and business information from customers, prospects and other resources.
• Analyze financial statements and tax records to inform decisions.
• Analyze credit and prepare analysis for small and medium portfolios.
• Comply with AgWest documentation expectations, procedures, laws and regulations.
• Support customer relationships through marketing and servicing related products.
• Participate in Large Loan process to provide high quality products within risk parameters.
• Complete farm visits and collateral inspections, including valuation observations.
• Conduct research.

Responsibilities

• Gather financial and business information from customers and resources.
• Analyze financial statements, tax records, and pro forma statements.
• Prepare credit analyses and recommendations for review.
• Ensure documentation compliance with policies and regulations.
• Support customer relationships and servicing activities.
• Contribute to large loan processes with timely product delivery.
• Perform farm visits and collateral inspections, documenting observations.
• Conduct focused research to support credit decisions.

Job description

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System - the leading provider of credit to American agriculture.

AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.

We are in search of a Credit Underwriter I or Credit Underwriter II to join our Oregon Lending and Insurance department in Baker City, Ontario, or Pendleton, Oregon. This full-time position reports to the VP, Credit and provides sound, constructive, credit and related services, typically supporting average to above average loan portfolios involving simple to moderately complex credits.

Compensation Information

The base salary range for this position in Oregon is:

Level I:
Typical starting range: $60,000 - $80,300
Full base salary range: $60,000 - $90,400
Annual performance-based incentive target is 10% of base.

Level II:
Typical starting range: $66,200 - $88,700
Full base salary range: $66,200 - $99,900
Annual performance-based incentive target is 12% of base.

*Relocation assistance will be provided to eligible candidates who must relocate to accept this position.

Essential Duties

• Gather financial and business related information from customers, prospects and other available resources through personal interviews, phone interviews, and other information resources.
• Analyze financial statements, including opinions and notes, tax records, "in house" prepared financial statements and pro forma statements.
• Analyze credit and prepare analysis on small and medium size portfolios; submit sound credit analysis and recommendations for review.
• Comply with AgWest documentation expectations, procedures, laws and regulations.
• Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch office or customer locations.
• Effectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to AgWest.
• Complete farm visits, collateral inspections and document observations. This requires transportation to and from the operation, visually inspecting the condition and valuation of loan collateral.
• Conduct research