Credit Officer, Regional Agribusiness

CoBank•Wichita, KS

42d•Hybrid

About The Position

Develops credit-structuring alternatives for large account transactions. Assists lending or leasing staff with managing the banking relationship with large accounts by providing credit analysis and financial structuring alternatives. Approves credit actions within prescribed credit limits. Provides leadership and guides the work of credit analysts. Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers.

Requirements

Bachelor's Degree required
5 years of credit experience in banking industry. required

Responsibilities

Works with lending or leasing staff as appropriate to structure financial proposals to support complex credit arrangements for large accounts. Conceptualizes and formulates financial strategy to accomplish customer's credit needs. Manages resources from various sources. Designs creative and innovative financing packages.
Assists with negotiations concerning the packaging of credit arrangements. Consults with lending or leasing staff and provides coaching on negotiation strategy, financing approaches, or other specific credit issues.
Prepares and oversees the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach. Provides direction and guidance to credit analysts on general research issues. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.
Monitors credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants. Notifies lending, leasing, and/or credit staff of emerging issues as appropriate.
Assists with internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.
Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
Approves or recommends credits for approval based on research and analysis completed by credit analysts.
Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.

Benefits

Careers with a purpose
Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays
Competitive Compensation & Incentive
Hybrid work model: flexible arrangements for most positions
Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
Robust associate training and development with CoBank University
Tuition reimbursement for higher education up to $10k per year
Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
Associate Resource Groups: creating a culture of respect and inclusion
Recognize a fellow associate through our GEM awards