Loan Services Credit Analyst

Consolidated Grain and Barge•Louisville, KY

9d•$58,342 - $76,618

About The Position

Thank you for your interest in joining our team! At CGB, you can contribute to meaningful work, grow professionally and personally, and belong in a place where everyone has a voice. Founded in 1969, CGB Enterprises, Inc. is known as an innovative and progressive leader in the grain and transportation industries. The combination of our assets provides a growing organization that is celebrating over 50 years of strength and stability! AgriFinancial, a subsidiary of CGB Enterprises, Inc., is a premier, nationwide ag lender offering an array of flexible financial solutions and expertise to help landowners achieve their goals. Backed by CGB and partnered with a broad group of capital resources, our dedicated team of ag experts will work to find the right solution to fit you. If you love financial analysis, smart decision‑making, and helping customers succeed, this could be the job for you! This job is primarily responsible for timely completion of underwriting and servicing actions for the company’s loan and lease portfolio customers. Responsibilities include, but are not limited to, assessing customer needs and determining the appropriate course of action, credit/financial analysis, written narratives and recommendations, maintaining the servicing action pipeline, communicating outcomes to applicable parties, strengthening knowledge of loan products and programs, and maintaining close working relationships with various internal and external parties.

Requirements

Education Required – Bachelor’s Degree or equivalent working experience.
Experience Preferred – 3 years’ experience in agricultural loan underwriting.
Advanced knowledge in credit analysis and loan structuring.
Strong knowledge of, or ability to quickly learn, various programs, credit standards, and loan rate products offered by the company.
General knowledge of the agricultural industry.
Knowledge of, or ability to quickly learn, entity structures and related organization documents and loan documents.
Effective computer skills, including working knowledge of Microsoft Office Suite (e.g. Excel, Word, Dynamics 365, etc.).
Effective interpersonal, oral and written communication skills with the ability to interact with all levels of people within and outside the organization.
Ability to understand and analyze financial statements.
Ability to consistently exhibit qualities consistent with company philosophies to insure exemplary levels of service to all parties.
Ability to work well both independently and within a team environment.
Strong time management skills with ability to multi-task and prioritize.

Responsibilities

Perform underwriting and servicing responsibilities, including credit analysis to make recommendations in accordance with investor guidelines; which may include process partial releases, note modifications, rate changes, amortization modifications, interest rate conversions, payment or maturity date extensions, payment deferrals, and release of liability.
Log requests into the Servicing Action database upon receipt of a signed Authorization and Checklist.
Communicate with customers and seller banks (as needed) to understand service action requests, and coordinate the completion of such requests by close follow up with various internal staff, and external partners for approval.
Request information and documents needed to advance and complete requests, such as financial information, contract documents, legal descriptions and other items as needed that require Collateral or Legal review prior to recommendation of the request.
Analyze the financial data against credit standards.
Write narrative explaining the request, history with the customer, impact of the request on the loan balance, payments and collateral and make recommendation to investor.
Scan and index documentation related to requesting approval from the investor, including financial statements, credit reports, narratives, investor approvals and any other documents material to the request decision.
Facilitate communication of pertinent details to ensure timely completion of modification documents by the Closing department.
Develop and maintain internal processes, procedures and checklists manual for all common requests, with specific instructions for each investor program.
Ensure requests are in alignment with program requirements, involving developing and maintaining a strong working knowledge of all investor servicing guides and Master Servicing Agreements.
Ensure timely completion of all investor reporting of modifications, including but not limited to the FAMC Modification File, and reconciliation of fees with Closing and Loan Accounting.
Other duties as assigned.