Portfolio Analyst

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:

This position is generally responsible for taking and analyzing large loans and complex middle market commercial and mortgage loan applications; recommending approval or denial, reviewing loan recommendations of others; and developing new business. Responsible for management of existing designated loan portfolio; renewal operating loans, term loans, restructures, collections, monitoring of non-accrual loans and other problem credit and loan servicing needs.  This position may train other association staff in loan analysis techniques and practices, and review work of others.

ESSENTIAL DUTIES:         

• Interview loan applicants, assessing customer needs and provides services to meet those needs.  Assist customers in preparing loan applications and budgets.
• Analyze and service large, complex and/or non-typical loan applications and supporting documents.  Recommend approval or denial of loans, or approve/deny loans within delegated lending authority. 
• Assist with determining and reviewing required legal documentation.
• Document verification of assets and review of other relevant data.
• Communicate association credit philosophy and stock requirements to customer.
• Prepare loan servicing actions and follow-up on assigned loan portfolio.  Ensure that controls are implemented to monitor the risks identified in the assigned portfolio.
• Communicate and promote the availability of loan products and other financially related services.
• Assist in the development of new business by conducting marketing calls, attending community or industry functions, & providing timely service to existing customers.  Maintain community contacts to generate and develop new business.
• Conduct collateral inspections.
• Assist in the training and development of other Association staff, and review the work of others.
• Perform other functions assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Generally exercises no supervision.  Makes independent decisions; works under general direction of the Director of Corporate Underwritng.

TYPICAL EDUCATION AND EXPERIENCE:

• BA/BS degree with emphasis on agriculture, agribusiness, business administration, or equivalent. 
• Minimum 3 years’ experience in credit/financial analysis.
• Demonstrated skills in credit and cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
• General knowledge of agriculture and/or agribusiness.
• Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats.  Working knowledge of Excel or similar spreadsheet and analytical software.
• Demonstrated proficiency in organizing and prioritizing work to meet deadlines.
• Knowledge of FCA regulations, association and district policies and procedures.
• Strong written and verbal communication skills.
• Strong persuasive and interpersonal skills.
• Proficient in the use of PC, including word processing, e-mail and electronic spreadsheet software.

PAY RANGE:

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 [email protected].