Portfolio Analyst Commercial

American AgCredit • Greeley, CO

3d • Hybrid

About The Position

The Portfolio Analyst is responsible for analyzing and evaluating numerous or large and complex commercial and/or real estate loan applications. This role involves servicing commercial and/or real estate loans through frequent contact with customers and actively pursuing new business through organized marketing and business development programs. The position may also be responsible for the management of an existing designated loan portfolio, including the renewal of operating loans and term loans. The role operates under the general supervision of the VP-Regional Credit Underwriting or a designee, exercising no supervision of others but making independent decisions.

Requirements

• At least 5-7 years progressively responsible banking or related agricultural lending experience.
• BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
• Strong credit and analytical skills.
• Demonstrated 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.
• Demonstrated proficiency in organizing and prioritizing work to meet deadlines.
• Strong written and verbal communication skills.
• Strong persuasive and interpersonal skills.
• Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.
• Ability to perform basic office tasks and work in a typical office setting.
• Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time.
• Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job.
• Some lifting and moving of items up to 25 pounds required.
• Must have the ability to work in the United States.
• Must not require visa sponsorship or transfer.

Nice To Haves

• Provides training to credit staff and may serve as a member of or participate in loan committee meetings.

Responsibilities

• Analyze and evaluate numerous or large and complex commercial and/or real estate loan applications.
• Service commercial and/or real estate loans by frequent contact with customers.
• Actively pursue new business through organized marketing and business development programs.
• Manage existing designated loan portfolio, including renewal operating loans and term loans.
• Interview loan applicants.
• Prepare loan applications, financial statements, and budgets.
• Prepare spreadsheets of financial statements, e.g., balance sheets and income statements.
• Input all required data into the loan origination and loan processing systems.
• Review all pertinent credit and financial information.
• Determine the need for more thorough investigation or additional information.
• Analyze information statements and related material.
• Prepare summaries, present facts, and offer opinions concerning credit-worthiness.
• Analyze loan applications and supporting documents.
• Recommend approval or denial of loans, or approve/deny loans within lending authority.
• Determine and review legal documentation.
• Verify financial statements, review credit reports, and collect relevant data.
• Communicate Association credit philosophy and stock requirements to customers.
• Communicate and promote the availability of loan products and other financially related services.
• Prepare loan servicing actions and follow-up on assigned loan portfolio.
• Interact with title companies.
• Monitor loan process.
• Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance.
• Conduct collateral inspections.
• Represent the Association at public functions.
• Conduct credit training and development programs for staff.
• May serve as a member of the employee loan committee or participate in loan committee meetings.
• Perform other duties assigned.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level