Credit Officer Ag Lending

Compeer Financial•Sun Prairie, WI

11h•$60,700 - $91,500•Hybrid

About The Position

The Credit Officer analyzes new credit requests, makes loan-servicing decisions for existing clients, and performs other essential credit duties. The role completes financial analysis and underwriting for a variety of crop and livestock industries across Compeer’s territory, making decisions consistent with established credit policies, procedures, and best practices. The Credit Officer approves or denies requests within delegated authority, spends most of their time completing loan analysis and communicating decisions, works with clients and Financial Officers on loan packages, provides financial counseling, and visits clients as needed. The position analyzes financial and supporting documentation for formal and informal lending and servicing requests; determines the required analysis and due diligence based on credit risk; and communicates decisions, terms, conditions, and findings through formal narrative write-ups. It also establishes loan conditions and closing requirements, answers credit-related questions, facilitates credit agreement negotiations, and creates credit packages that meet client needs. The Credit Officer monitors portfolio performance, directs loan classification, works with sales teams or clients on plans to address delinquencies and servicing needs, and structures stressed credits. The role coordinates servicing plans and monitoring requirements for higher-risk relationships, reviews database exception reports, and works with sales and operations teams to balance credit risk with portfolio growth. In collaboration with Financial Officers and other team members, the Credit Officer implements Compeer’s Team Relationship Model. The role meets with clients to assess financial performance against Compeer credit standards and industry norms, presents peer reports and industry benchmarks, and helps clients understand their financial position and set goals. The position also maintains current knowledge of crop and livestock industries through publications, guidance, training, meetings, seminars, conferences, and webinars. This hybrid position is based at the Fond du Lac, Wisconsin, or Sun Prairie, Wisconsin, office and offers work from home up to 50%.

Requirements

Bachelor’s degree in agricultural business, finance, economics, or a related field, or an equivalent combination of education and experience sufficient to perform the essential job functions.
Basic to solid interpersonal, collaboration, communication, team-building, problem-solving, analytical, organizational, and time-management skills.
Solid computer skills, including MS Office applications, CRM programs, and internal underwriting and database systems.
Basic to solid decision-making, negotiating, and influencing skills.
Flexibility and adaptability to changing situations.
Ability to work independently and collaboratively with other teams to achieve goals and represent the business.
Must be authorized to work for any employer in the United States; Compeer is unable to sponsor or take over sponsorship of an employment visa.

Nice To Haves

Entry-level credit analysis experience in a financial institution.
Basic to solid knowledge of agricultural businesses and operations, crop insurance, livestock industries, and associated production practices.
Basic to solid knowledge of loan products, services, and credit operations.
Basic to solid understanding of credit processing and servicing activities, accounting principles and practices, credit analysis procedures, credit administration, monitoring, and reporting.

Responsibilities

Analyze financial and supporting documentation for formal and informal lending and servicing requests.
Identify, communicate, and assist in collecting financial information needed to process lending and servicing requests.
Approve, decline, or escalate credit decisions as required.
Determine the appropriate level of analysis and due diligence based on credit risk.
Determine account classification and probability-of-default rating.
Communicate credit decisions, terms, conditions, and findings through formal narrative write-ups.
Establish loan conditions and closing requirements for approved actions.
Answer questions and provide direction on credit matters arising during lending, closing, and servicing.
Facilitate negotiation of credit agreements among Compeer, borrowers, participants, and outside counsel.
Create credit packages to meet client needs.
Monitor lending portfolio and loan performance and provide direction for loan classification.
Work with sales teams or clients to develop plans to cure delinquencies or address servicing requests.
Structure stressed credits to meet internal lending requirements, client expectations, and organizational growth objectives.
Coordinate with sales and RAU teams to develop servicing plans and monitoring requirements for higher-risk client relationships.
Monitor database exception reports to ensure financial, collateral, and loan classifications are accurate.
Work with sales and operations teams to balance credit risk with portfolio growth.
Work with Financial Officers and other team members to implement the Team Relationship Model with clients.
Meet with clients to assess financial performance against Compeer credit standards and industry norms.
Prepare and present financial peer reports, industry benchmark analyses, and other financial counseling tools.
Help clients understand their financial position and set future goals.
Maintain current knowledge of industry trends, crop and livestock industries, production practices, and market changes through publications, internal guidance and training, meetings, seminars, conferences, and webinars.
Visit clients as needed.

Benefits

Medical, dental, and vision coverage.
Health savings account and flexible spending account options.
Life and AD&D insurance.
Short-term and long-term disability insurance.
Wellness program and employee assistance program.
Vacation, sick leave, holidays, and floating holidays.
Parental leave.
Paid volunteer time off.
Up to 9% toward 401(k), including a 3% fixed Compeer contribution and up to a 6% match.
Learning and development programs.
Mentorship programs.
Professional membership and certification reimbursement.
Variable compensation and other benefits.
Flexible schedules, including additional flexibility during summer months.