Portfolio Analyst
American AgCredit•Eureka, CA
•Hybrid
About The Position
American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.
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
- Provides training to credit staff and may serve as a member of or participate in loan committee meetings
- Must have the 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
- Must have strong written and verbal communication skills to adequately convey ideas and work well with a team
- 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
- Work during established business hours and may require occasional weekend and/or evening work
- All hiring is contingent on eligibility to work in the United States
- We are unable to sponsor or transfer visas for applicants
Nice To Haves
- May be responsible for management of existing designated loan portfolio
- May serve as a member of the employee loan committee or participate in loan committee meetings
Responsibilities
- Analyzing and evaluating numerous or large and complex commercial and/or real estate loan application
- Servicing commercial and/or real estate loans by frequent contact with customers
- Actively pursuing new business through organized marketing and business development programs
- Management of existing designated loan portfolio
- 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 statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness
- Analyzing 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 customer
- 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
- Conducts 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
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
