Credit Officer

Farm Credit Services of America•Tarnowo Podgórne, ND

About The Position

We are seeking Credit Officers on the Corporate Credit Underwriting Team working primarily with assigned loans with the Corporate and Commercial Business Development Teams for Farm Credit Services of America, AgCountry Farm Credit Services, and Frontier Farm Credit. These loans and respective roles will focus primarily on the Dairy industries. Loans may be originated or purchased. Credit Officers work in a team environment to jointly serve the needs of our customers through consensus decision-making with Relationship Managers. Duties may extend to providing back-up and support to Commercial Underwriting Teams.

Requirements

6 + years of experience, Lending/Credit Analysis and/or Commercial/Corporate Lending

Nice To Haves

4 Year / Bachelor's Degree, Business Administration, Economics, Finance or other related degree

Responsibilities

Responsible for underwriting activities within the corporate and commercial portfolio.
Engage with Relationship Manager on loan proposals and presentations including structure and covenants.
Conduct analysis of loan and lease requests including an evaluation of management, financial position and progress, repayment ability, collateral and conditions of approval.
Assure adequate information is available to make the decision.
Analyze customer financial statements, which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, production reports, and commodity brokerage statements.
Ongoing monthly monitoring of customer financial covenants, borrowing base, and customer financial position.
Conduct a differential level of analysis appropriate for the risk presented by the type and size of loan request or servicing action.
Credit Officers will have the ability to act under significant individual delegated credit authority.
Coordinate with sales teammates and lead recommended actions for loan committee approval if outside individual delegated authorities.
Establish and maintain sound credit administration.
Adhere to the Associations’ credit philosophy, procedures, and guidelines.
Complete credit narrative to support decisions made.
Establish appropriate loan terms and conditions to manage loan risk.
Coordinate and prioritize work to support teammates and provide a positive customer experience.
May direct or coordinate the work of other teammates.
Build working relationships with external parties (customers executive team, accountants, attorneys, lenders).
Perform other credit-related functions needed to properly service the loan portfolio.