Senior Portfolio Analyst-Corporate

American AgCredit; United States; Remote; USD 99,000 - 172,000; Full time

Benefits offered by this job

Medical, Dental and Vision coverage

Outstanding 401k with employer match

Generous Paid Time Off

Job summary

American AgCredit is seeking a Portfolio Analyst to manage a designated dairy loan portfolio, analyze loan applications, and develop credit packages. The role supports the Relationship Manager in gathering necessary data and making credit decisions, serving as a secondary contact for customers.

The position involves independent credit recommendations within delegated authority, with potential involvement in loan committee discussions. Full-time remote work is offered; travel may be required.

Qualifications

• BA/BS degree in agribusiness, business administration, or equivalent.
• 7+ years of progressively responsible banking or agricultural lending experience.
• Knowledge of FCA regulations, association, and Farm Credit System policies.

Responsibilities

• Assist Relationship Manager in gathering information to make credit decisions.
• Develop credit packages and loan servicing actions.
• Review and analyze credit information for need of further investigation.
• Coordinate with attorneys and title companies on loan closings as needed.
• Monitor portfolio to ensure compliance with loan terms and identify servicing needs.
• Participate in loan committee meetings as required.

Skills

Analytical thinking

Credit analysis

Financial statement analysis

Communication skills

Team collaboration

Education

BA/BS degree in agribusiness or business administration

Tools

MS Office (Word, Excel, Outlook)

Job description

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

Responsible for the management of a designated dairy loan portfolio typically consisting of commercial and mortgage loans. 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 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.

ESSENTIAL DUTIES

• Assists the Relationship Manager in the gathering of information necessary to make appropriate credit decisions.
• Conducts meetings with the customer with the Relationship Manager and asks appropriate questions regarding the financial information, as well as calling the customer directly for follow up questions on the application package submitted.
• Develops credit packages and loan servicing actions.
• Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.
• Requests appraisal/field reports, obtains third party verifications, obtains credit reports, and requests 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.
• 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.
• Is able to independently make approval recommendations on non-complex credits.
• Participates in loan committee meetings as may be required.
• Demonstrates 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.
• Assists with any special projects and or work groups needing underwriting expertise as assigned.
• Performs other duties assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED

Exercises no supervision; makes some independent decisions; works under general supervision of Director of Underwriting, or designee.

REQUIRED INDUSTRY EXPERIENCE

Dairy

TYPICAL EDUCATION AND EXPERIENCE

BA/BS degree with emphasis on agribusiness, business administration, or equivalent. 7+ more years of progressively responsible banking or related agricultural lending experience. Demonstrated analytical and statistical skills to effectively evaluate loan request and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization. Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures. Knowledge of Participation and Syndication credits. Knowledge of FCA regulations, association, and district policies and procedures. Demonstrated proficiency in organizing and prioritizing work to meet deadlines. Strong written and verbal communication skills. Strong persuasive and interpersonal skills. Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.

JOB REQUIREMENTS

• Must have the ability to perform basic office tasks and work in a typical office setting.
• Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period.
• Must have strong written and verbal communication skills to adequately convey ideas and work well with a team.
• Ability to talk and hear, sit, and use their hands and fingers, and reach in all directions is essential in performance of the job.
• Some lifting and moving of items up to 25 pounds required.
• Work during established business hours and weekend and/or evening work.
• Some travel required.

FULL-TIME REMOTE

These roles and job functions can be done remotely, while maintaining our strong commitment to customer service and our business goals. Employees are welcome to come to an office to work if needed, and some travel for team meetings will be required.

PAY RANGE

Minimum $98,644.40 - Max $171,887.88 Annual This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. American AgCredit may compensate outside of the salary range for bona fide reasons not related to membership in a protected class. Reflected is the national base pay range and title offered for this job at the current level. Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location. Salary offered, within the applicable range, is one component of the total rewards package offered to candidates. #LI-REMOTE

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

American AgCredit provides equal opportunity in employment to all employees and applicants.

We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws.

American AgCredit prohibits harassment of any individuals on any of the bases listed above.

If you need assistance or an accommodation due to a disability, you may contact us at [e-mail].

Our mission is simple… Be the best lender to Agriculture.