Senior Internal Credit Reviewer

American AgCredit

1d • Remote

About The Position

The Senior Internal Credit Reviewer plays a key role in executing the Association’s independent, risk‑based Internal Credit Review (ICR) program within the second line of responsibility. Reporting to the Director of Internal Credit Review, this role provides objective and independent, well‑supported assessments of asset quality, credit risk management practices, regulatory compliance, and an indirect evaluation of the effectiveness of credit‑related internal controls, including identifying control weaknesses. An effective ICR program is critical to the Association’s Board of Directors (Board) and management's ability to monitor the quality of assets, compliance with laws and regulations, and the adequacy of, and compliance with, applicable lending policies, procedures, and internal controls. The Senior Internal Credit Reviewer performs in‑depth credit reviews across the full lending lifecycle—from prospect to payoff—including underwriting, credit decisioning, portfolio monitoring, servicing, and high‑risk asset management. The role supports management and the Board of Directors by identifying credit‑related issues, trends, and emerging risks, and by contributing to the Association’s overall examination readiness.

Requirements

• Bachelor’s degree in finance, accounting, business, economics, or a related field required.
• Five or more years of experience in internal credit review or loan review.
• Experience in credit underwriting, credit administration, credit risk management, or related disciplines or control frameworks is required.
• Exposure to a range of commodity groups relevant to the Association’s lending portfolio.
• Ability to assess credit risk across diverse commodity groups.
• Familiarity with commodity‑specific risk drivers and performance indicators.
• Demonstrated ability to analyze complex credit relationships and assess risk across diverse loan portfolios.
• Working knowledge of lending regulations, credit policies, risk rating systems, and high‑risk asset management practices.
• Strong ability to analyze portfolio data and trends as well as utilize technology (e.g., AI, Excel and reporting/visualization tools) to assess individual credits, metrics, KRIs, and emerging risk identification.
• Strong analytical skills with exceptional attention to detail and accuracy.
• Ability to apply sound professional judgment and maintain independence in evaluating credit risk.
• Clear and concise written and verbal communication skills, including the ability to document and explain complex credit issues.
• Strong organizational skills with the ability to manage multiple reviews and deadlines effectively.
• High integrity, discretion, and commitment to professional standards.
• Collaborative, self‑motivated, and adaptable in a fast‑paced, regulated environment.
• Highly flexible, self-starter who works well in a rapidly changing, fast-paced, and high visibility environment
• Ability to solve problems and execute work quickly, accurately, and thoughtfully.
• Possess a forward-thinking, enterprise mindset to stay ahead of potential, emerging risks.
• Ability to travel domestically up to 10% annually.
• Must be able to perform basic office tasks and work in a typical office setting.
• The employee will be sitting for extended periods and accomplishing work at a desk and a computer for an extended period.
• Must have strong written and verbal communication skills to convey ideas and work with a team effectively.
• The ability to talk and hear, sit and 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 is required.
• Work during established business hours and may require occasional weekend and evening work.
• Travel required.

Nice To Haves

• Credit Risk Certification or similar certification preferred.
• Professional certifications (e.g., CPA, CIA, CFA, FRM) or progress toward certification preferred.

Responsibilities

• Support periodic risk assessments that would be used to influence/develop the ICR plan and assist the Director of Internal Credit Review in the development of the ICR plan.
• Execute assigned credit reviews in accordance with the approved Internal Credit Review plan, methodology, and regulatory expectations, ensuring coverage is risk‑based and appropriately focused on higher‑risk portfolios, credits, and processes.
• Perform independent assessments of individual credits, portfolios, and credit processes, including underwriting quality, adherence to policy, and ongoing monitoring and servicing practices. This is expected to include assessment of support for repayment capacity, covenant monitoring evidence, collateral documentation/valuation support, and policy exception support as part of loan-level reviews, as applicable.
• Evaluate compliance with applicable laws, regulations, internal policies, procedures, and control requirements across the lending lifecycle.
• Assess the accuracy and consistency of credit risk ratings, risk recognition practices, and asset classifications.
• Review high‑risk assets to evaluate compliance with accounting and regulatory requirements, including non‑accrual loans, charge‑offs, and Other Property Owned (OPO).
• Identify control weaknesses, process gaps, and emerging credit risks, and assess their potential impact on asset quality and portfolio performance.
• Prepare clear, concise, and well‑supported credit review workpapers and documentation that meet internal standards and examination expectations.
• Draft written credit review reports that summarize findings, assess materiality, identify root causes, and recommend practical, actionable corrective actions.
• Present review results and observations to the Director of Internal Credit Review and contribute to discussions with executive management and risk committees, as appropriate.
• Support the development of dashboards, metrics, and trend analysis to monitor credit quality and emerging risks across portfolios.
• Support the Director of Internal Credit Review in the quarterly allowance for loan losses process by evaluating and effectively challenging impaired loan identification, the methodology, process, credit quality indicators, and supporting documentation, as well as ensuring any specific reserves are consistent with the results of ICR’s evaluation of specific credits.
• Provide independent insight into asset quality trends and risk migration to support sound allowance governance and oversight.
• Assist in preparation for and participation in examinations and asset reviews conducted by the Farm Credit Administration and CoBank.
• Respond to examiner requests by providing accurate, complete, and well‑documented credit review analysis.
• Demonstrate professional judgment, independence, and consistency in all interactions with internal and external stakeholders.
• Stay current on regulatory guidance, credit risk management practices, loan review standards, and industry trends.
• Participate in ongoing training, professional development, and System‑level engagement opportunities, as appropriate.
• Contribute to the continuous improvement of Internal Credit Review methodologies, tools, and practices.
• Perform special projects, targeted reviews, and other duties as applicable.

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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 251-500 employees