Credit Resolution Portfolio Manager

American AgCredit•Turlock, CA

1d•$71,139 - $123,959•Hybrid

About The Position

Responsible for completing the financial analysis and due diligence required to develop credit packages and complete loan servicing on troubled credit. Will assist the Credit Resolution Relationship Manager in gathering the required information necessary to make appropriate credit decisions and analyze credit and restructuring requests from start to finish. Serves as a secondary point of contact for resolving distressed credits. Recommend loan and restructuring requests based on the Association’s Underwriting Standards. Will complete analysis on various servicing actions on existing customers, such as restructures, extensions, forbearances, releases, assumptions, conversions, and charge-offs. Accountable for underwriting a designated loan portfolio and any new accounts transferred to the Credit Resolution Group (CRG). Responsible for the approval/denial of credit actions through either the utilization of assigned delegated authority or recommendation to a higher level of delegated authority. Responsible for credits within the Commercial channel. Provides mentorship for the National Guard. Delivers specialized technical training and guidance to Association staff. Provides leadership to staff at multiple locations across the Association while working closely with CRG Leadership. Generally exercises little supervision; makes independent decisions; works under general supervision of Head of Commercial Underwriting or designee.

Requirements

BA/BS degree with an emphasis on agribusiness, business administration, or equivalent.
Five or more years of progressively responsible banking or related agricultural lending experience.
Demonstrates understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.
Knowledge of FCA regulations, Association, and district policies and procedures.
Demonstrates proficiency in organizing and prioritizing work to meet deadlines.
Strong written and verbal communication skills.
Strong persuasive and interpersonal skills.
Proficient in the use of PC, including Microsoft Word, Outlook email and electronic spreadsheet software.
Desire and ability to travel as needed.
Must be able to perform basic office tasks and work in a typical office setting.
Employee will be sitting for extended periods and accomplishing work at a desk and at a computer for an extended period.
Ability to talk and hear, sit, use their hands and fingers, and reach in all directions is essential in the performance of the job.
Some lifting and moving of items up to 25 pounds are required.
Work during established business hours and weekend and/or evening work.
Some travel is required.

Nice To Haves

Provides mentorship for the National Guard.
Delivers specialized technical training and guidance to Association staff.
Provides leadership to staff at multiple locations across the Association while working closely with CRG Leadership.

Responsibilities

Completes the financial analysis and due diligence required to develop credit packages and complete loan servicing on troubled credit.
Assists the Credit Resolution Relationship Manager in gathering the required information necessary to make appropriate credit decisions and analyze credit and restructuring requests from start to finish.
Serves as a secondary point of contact for resolving distressed credits.
Recommends loan and restructuring requests based on the Association’s Underwriting Standards.
Completes analysis on various servicing actions on existing customers, such as restructures, extensions, forbearances, releases, assumptions, conversions, and charge-offs.
Underwrites a designated loan portfolio and any new accounts transferred to the Credit Resolution Group (CRG).
Responsible for the approval/denial of credit actions through either the utilization of assigned delegated authority or recommendation to a higher level of delegated authority.
Assists the Relationship Manager in gathering information necessary to make appropriate credit decisions.
Develops credit packages and loan servicing actions.
Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.
Requests appraisal/field reports, obtain third party verifications, obtain credit reports, and request lien searches as necessary.
Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, preparing facts, and offering opinions concerning creditworthiness, risks and mitigants, and other forms as required.
Formulates projections using historical financial data, current budgets, and other information.
Inputs all required financial information and data into the financial analysis, loan origination, and other loan processing systems.
Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements.
Participates in loan committee meetings as may be required.
Demonstrates analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of the credit worthiness of the applicant, aligned with the organization’s credit philosophy and risk appetite.
Monitors assigned portfolio to determine the customer’s potential servicing needs and ensure customers stay in compliance with the terms and conditions of their loan(s).
Assists in the preparing quarterly High Attention Credit Reports and other CRG Reports as required to monitor the portfolio.
Determines and reviews legal documentation.
Coordinates with all credit and approval departments and with attorney’s and title companies on loan closings, as needed.
Provides support with developing training for the Association staff on distressed loan management processes.
Assist with branch staff in discussions about restructuring and liquidation issues.
Contributes to any special projects where a Credit Resolution employee is needed.
Responsible for credits within the Commercial channel.
Provides mentorship for the National Guard.
Delivers specialized technical training and guidance to Association staff.
Provides leadership to staff at multiple locations across the Association while working closely with CRG Leadership.

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
Position is bonus eligible based on association and personal performance