Credit Underwriter

AgWest Farm Credit•Tulare, CA

10h•Hybrid

About The Position

AgWest Farm Credit is seeking a Credit Underwriter I or Credit Underwriter II (internally known as a Credit Analyst) to join their California Lending and Insurance department in Tulare. This full-time position reports to the VP, Credit and assists in providing sound, constructive credit and related services, typically supporting a portfolio of simple to moderately complex credit relationships. The role involves gathering financial and business information, analyzing financial statements, preparing credit analyses and recommendations, supporting customer relationships, participating in the large loan process, conducting farm visits and collateral inspections, researching agricultural industries, establishing rapport with customers, representing the organization at public relations events, classifying loans, assisting in credit investigations, participating in loan closings, ensuring effective credit administration, participating in industry teams, and collaborating with other teams for referrals and cross-selling. The position also requires performing all duties in accordance with company policies and procedures. Travel may be required for meetings not included in standard role travel requirements.

Requirements

Bachelor’s degree in business or ag-related field, or an equivalent combination of education and experience.

Nice To Haves

Knowledge of loan programs and financially related services
Knowledge of agricultural practices

Responsibilities

Gather financial and business-related information from customers, prospects and other available resources through personal interviews, phone interviews, and other information resources.
Analyze basic financial statements, including opinions and notes, tax records, “in house” prepared financial statements and pro forma statements.
Prepare credit analysis and make recommendations to appropriate management for review.
Comply with documentation expectations, procedures, laws and regulations.
Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch office or customer locations.
Effectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to the organization.
Complete in-person farm visits, collateral inspections and document observations including but not limited to visually inspecting the condition and valuation of loan collateral.
Conduct research of agricultural and related industries and commodities to determine viability, trends and opportunities for the organization to strengthen its position.
Establish rapport with and develop/maintain confidence of customers and prospective customers.
Represent the organization at public relations events by joining or actively supporting appropriate agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programs.
Accurately classify and identify appropriate charge-offs reserves, cash income accounting and allowances on assigned loans.
Assist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification.
Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
Ensure effective and accurate credit administration through coordination with relationship managers and others.
Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry specific customer educational events.
Effectively work with customers and collaborate with other teams to make referrals and cross-sell products, to meet customer needs.
Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
Other duties as assigned.