Corporate Banking Officer

American AgCredit • Greeley, CO

2d • Hybrid

About The Position

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. The Corporate Banking Officer manages an assigned portfolio of account relationships, the majority consisting of complex, middle and large-market customers, concentrated in the Protein and Grain market segments. This role will work closely with the Agribusiness (AGB) and Corporate Lending teams to formulate solutions for the more complex financing needs of such customers and will provide functional guidance to Underwriters, Closing and Servicing Specialists. The Corporate Banking Officer will assist the Protein and Grain team with implementation of marketing plans to capitalize on marketing opportunities within designated industry segments focusing on customer relationship management, team leadership and targeted business development efforts. The Corporate Banking Officer will support the achievement of profitability and credit quality goals of the Corporate Banking Group.

Requirements

• Bachelors’ degree with emphasis on agriculture, business administration, or equivalent major, is required.
• Five (5) years of progressively responsible experience in credit analysis, underwriting, or risk management within banking or agricultural lending is required.
• Demonstrated strong communication skills, with the ability to effectively partner with relationship managers, borrowers, and internal stakeholders, and to clearly articulate credit recommendations both verbally and in writing.
• Clean driving record and valid state issued drivers’ license is required.
• Experience using PC, word processing, and electronic spreadsheet software is required.
• Must be proficient in organizing and prioritizing work to meet deadlines.
• Desire and ability to travel, as required by the position, is required.
• Must have the ability to perform basic office tasks, work in an office or outdoor setting and be able to sit at a desk and work at a computer for an extended period of time.
• This job regularly requires the employee to visit job sites and must be able to walk, sit, crouch, kneel, crawl, reach and be able to lift up to 25 pounds.
• Ability to navigate around construction equipment and business materials is required.
• Ability to walk for some distance, more than a mile, during or getting to an inspection.
• 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.
• Travel required and must have a valid C Class driver’s license.
• Work during established business hours and may require occasional weekend and/or evening work.

Nice To Haves

• Experience with CRM platforms preferred.

Responsibilities

• Manages the day-to-day customer relationship of assigned complex, highly visible accounts.
• Regularly meets with the customer to keep abreast of information concerning their businesses, needs, strategic direction, and earnings to determine business opportunities.
• Works with the team in solutioning for customer needs.
• Work with Corporate Lending Structuring and Sales in structuring credit facilities for syndication, development of a syndication strategy and assists in the sales effort.
• Manages the day-to-day relationships of assigned accounts originated by the Association and syndicated amongst Farm Credit partners, commercial banks and institutional investors.
• Assists in and supports other AGB Relationship Managers in managing accounts specific to the Protein and Grain market segment that are purchased from other Farm Credit partners, commercial banks and institutional investors.
• Maintains expertise in assigned market segment, keeping abreast of industry trends and competition in the market.
• Responsibilities include, but are not limited to, attending industry events and tradeshows.
• Guides and participates in the credit analysis function in the development and analysis of financial data for new or renewed loans.
• Prepares and edits information memorandums, term sheets and related documents.
• Make decisions on loan requests, structure and pricing within prescribed lending limits.
• Formulates recommendations and presents same to the applicable Credit Approver or Loan Committee.
• In conjunction with the origination and servicing of credit facilities, performs credit administration, account servicing, validation and monitoring of periodic financial information and review of loan documents and deliverables.
• Provide functional guidance to Underwriters, Closing and Servicing Specialists on policies, procedures and credit risk assessment.
• Follows current outstanding loans in assigned portfolio to ensure complete conformity with terms and covenants.
• Through ongoing review and analysis maintain awareness of developing trends.
• Studies industrial, commercial, and financial situations relating to new or existing businesses as requested.
• Makes recommendations on financial and organization structure, locations, and on other business-related issues.
• Develops and implements a Business Development Plan (BDP) in coordination with the assigned portfolio and assists team in BDP execution, focused on potential prospects and assigned existing customers with the goal of retaining and increasing existing business and developing new business opportunities.
• Safely operates and maintains Association provided vehicle.
• Travels to customer meetings, industry events, and company sponsored events as required/ requested.
• Performs other duties assigned.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level