Ag Commercial Portfolio Manager

Bell Bank•Moorhead, MN

About The Position

This position provides loan administration, portfolio management, and credit underwriting support for the regional commercial and agricultural banking teams. The role assists commercial and ag lenders with underwriting, documentation, monitoring, and ongoing administration of a commercial and/or agricultural loan portfolio. The position supports designated markets within a region and requires frequent travel between markets. Responsibilities: Credit Underwriting & Financial Analysis Analyze and spread farm and commercial financial statements for existing and prospective ag and commercial clients. Analyze interim financial statements and other supporting documentation for existing borrowers. Assist with the preparation and review of loan committee and “litmus” presentations, annual credit reviews, and problem loan summaries. Work closely with Commercial and Ag lenders to help structure credit facilities, including repayment terms, pricing, collateral, and credit support. Become proficient in the use of FINPACK and other credit analysis tools. Portfolio Management & Risk Monitoring Develop, maintain, and analyze portfolio and client trend reports to support risk management and decision-making. Monitor credit facilities after booking, including ongoing financial review and covenant compliance. Assist in the administration and monitoring of non-performing loans. Maintain reporting infrastructure designed to manage credit and portfolio risk within the division. Serve as backup support for daily overdraft monitoring and related collection efforts. Loan Administration & Documentation Support the production, processing, and administration of commercial and agricultural loans, deposits, and related lines of business. Assist with required due diligence activities prior to loan closing. Support loan documentation processes and ensure adherence to Bell Bank lending guidelines. Provide loan administration support to designated region(s) and market(s), including frequent travel between markets as needed. Bell Bank Culture, Policy and Accountability Standards: Know by name and face as many customers and employees as possible, calling them by name as often as possible. Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards. Know, understand, and live the company values and bottom line. Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations. All employees are responsible for information security, including compliance with policies and standards which protect sensitive information. Prompt and reliable attendance. Perform other duties as assigned. Education, Experience, and Other Expectations Bachelor’s degree in accounting, finance, business, or a related field; or equivalent experience. 2 – 4 years of experience in credit analysis, lending, commercial banking, or a related financial services role. Working knowledge of commercial and/or agricultural loan documentation. Experience working within agriculture and/or farming industry is preferred. Requires up to 20% travel within an assigned region. Skills and Knowledge This position provides loan administration, portfolio management, and credit underwriting support for the regional commercial and agricultural banking teams. The role assists commercial and ag lenders with underwriting, documentation, monitoring, and ongoing administration of a commercial and/or agricultural loan portfolio. The position supports designated markets within a region and requires frequent travel between markets. Responsibilities.

Requirements

Bachelor’s degree in accounting, finance, business, or a related field; or equivalent experience.
2 – 4 years of experience in credit analysis, lending, commercial banking, or a related financial services role.
Working knowledge of commercial and/or agricultural loan documentation.
Requires up to 20% travel within an assigned region.

Nice To Haves

Experience working within agriculture and/or farming industry is preferred.

Responsibilities

Analyze and spread farm and commercial financial statements for existing and prospective ag and commercial clients.
Analyze interim financial statements and other supporting documentation for existing borrowers.
Assist with the preparation and review of loan committee and “litmus” presentations, annual credit reviews, and problem loan summaries.
Work closely with Commercial and Ag lenders to help structure credit facilities, including repayment terms, pricing, collateral, and credit support.
Become proficient in the use of FINPACK and other credit analysis tools.
Develop, maintain, and analyze portfolio and client trend reports to support risk management and decision-making.
Monitor credit facilities after booking, including ongoing financial review and covenant compliance.
Assist in the administration and monitoring of non-performing loans.
Maintain reporting infrastructure designed to manage credit and portfolio risk within the division.
Serve as backup support for daily overdraft monitoring and related collection efforts.
Support the production, processing, and administration of commercial and agricultural loans, deposits, and related lines of business.
Assist with required due diligence activities prior to loan closing.
Support loan documentation processes and ensure adherence to Bell Bank lending guidelines.
Provide loan administration support to designated region(s) and market(s), including frequent travel between markets as needed.
Know by name and face as many customers and employees as possible, calling them by name as often as possible.
Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
Know, understand, and live the company values and bottom line.
Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
Prompt and reliable attendance.
Perform other duties as assigned.