Senior Portfolio Monitoring 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.

BRIEF DESCRIPTION

The Senior Portfolio Monitoring Analyst performs a variety of advanced underwriting functions which generally include the monitoring and servicing of existing and new accounts by reviewing, validating, reconciling, and trending tested financial covenants and borrowing base certificates. Frequent analysis and presentation of covenant compliance and financial performance trends to Underwriters, Account Officers, and other company personal is required. Responsible for the monitoring of a designated portfolio and should possess an advanced understanding of financial statement analysis. Frequently will assist in spreading financial statements for Production Agriculture, Agribusiness, and Capital Markets accounts. Independent decision-making is required.

This role would also maintain and manage a small portfolio of credits focusing on Production Agriculture, Agribusiness, and Capital Markets. Responsible for analyzing and evaluating loan applications, approving loans within delegated authorities, and recommending loans for approval to the loan committee.

ESSENTIAL DUTIES

• Responsible for analyzing existing new accounts’ ongoing covenant compliance performance through review, validation, reconciliation, and trending of borrowing base certificates and tested financial covenants.
• Spreads and analyzes financial statements to determine financial performance trends, including repayment capacity, liquidity, leverage, capitalization trends, and sources and uses of cash.
• Reviews financial and covenant reporting data with efficient and accurate follow-up to all counterparties.
• Analyzes all pertinent financial information and supporting reports and determines the need for additional information or a more thorough investigation.
• Assists the underwriting team in preparing loan servicing actions and periodic financial reviews.
• Occasionally prepares and presents credit information for account officers or committees to make lending decisions on new or renewal loans.
• Reviews credit agreements and other loan documents to support covenant compliance and financial performance reviews.
• Communicates effectively, both verbally and written, with deal teams regarding ongoing covenant compliance and financial performance trends of existing and new accounts.
• Reviews and understands chattel evaluations and real estate appraisals.
• Assists in collateral control activities including, but not limited to, inventory analysis and verification and accounts receivable maintenance and verification.
• Perform other duties as assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED

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

TYPICAL EDUCATION AND EXPERIENCE

• Bachelor’s degree preferred, majors in Accounting, Finance, Business, Agribusiness, or related fields required, or a minimum of six (6) years’ experience in a similar role in lieu of a degree.
• General knowledge of agriculture and/or agribusiness is required.
• Previous work/internship experience with a customer facing role is preferred.
• Demonstrated familiarity with accounting principles, banking policies, procedures, and processes is required.
• Strong analytical and statistical skills to validate, evaluate, prioritize, and categorize data in various formats is required.
• Self-starting approach to work, great attention to detail and pride in accurate work is required.
• Strong organization and prioritization skills is required to thrive in our fast-paced environment.
• Proficient in Microsoft Office Suite programs.
• Strong collaboration and communication skills. Must have the ability to communicate effectively, both verbally and written.

ESSENTIAL JOB REQUIREMENTS

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

FULL-TIME REMOTE

This role and job function 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. Some travel for team meetings and training will be required.

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].