Collateral Analyst

Farm Credit Mid-America•Shelbyville, KY

2d•$60,265 - $125,909•Onsite

About The Position

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences. Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 14 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do. This role applies solid functional knowledge and sound judgment to deliver dependable, high-quality work with minimal direction. Team members at this level manage moderately complex responsibilities, balance priorities effectively, and contribute meaningful insights that support team and functional performance. They are trusted to navigate varied situations, identify improvement opportunities, and operate with increasing autonomy.

Requirements

High School Diploma/GED with 7 years relevant experience required.

Nice To Haves

Bachelor's degree with 3 years relevant experience.
Associate Appraisal License or Licensed/Certified Residential or Certified General State License.
Agriculture experience.
Strong critical thinking skills with the ability to work through complex collateral or valuation scenarios.
Willingness to travel regularly within the assigned market area.

Responsibilities

Conducts timely, high-quality, and credible appraisals and valuations of loan collateral and acquired properties, including determining highest and best use, analyzing property and market characteristics, identifying environmental risks, applying accepted valuation methods, and supporting conclusions through well-documented appraisal/valuation reports.
Collects, investigates, documents and maintains comparable sales data which includes searching public records, verifying sale conditions and financing terms, making property inspections, abstracting sale price, platting legal descriptions, and documenting results.
Analyzes market trends, comparable sales, adjustment factors, depreciation, capitalization rates, and valuation methodologies, and clearly communicates analytical results.
Provides consultative support on valuation issues, market trends, and environmental risk considerations to internal and external stakeholders.
Supports effective team operations and customer service by coordinating coverage, maintaining availability, representing the association at offices and industry events, and performing other assigned duties such as non-local appraisals/valuations, appraisal reviews, chattel valuations, and fee service assignments.
Manages assigned work with minimal direction delivering a high degree of accuracy, quality and timely completion.
Applies functional knowledge and judgment to evaluate information and make informed decisions.
Anticipates needs, manages competing priorities, and proactively communicates status or risks.
Supports process improvements by identifying gaps and recommending practical solutions.
Collaborates effectively across teams to advance shared goals and business outcomes.
Serves as a resource to less experienced team members through informal guidance.