Senior Portfolio Analyst-Corporate (Dairy & Protein)

American AgCredit•Eureka, KS

3d•$98,644 - $171,888•Hybrid

About The Position

Why should you join our team? 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. Benefits offered by American AgCredit: 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 The position is bonus eligible based on association and personal performance Position will be posted until filled. BASIC FUNCTION: Responsible for the management of a designated loan portfolio typically consisting of large, complex commercial and mortgage loans, including loans participated/syndicated with other Farm Credit Associations or Commercial Banks. Key industries of focus for this position include Dairy and Protein. Analyzes new loan applications and other loan servicing requests through the thorough analysis of financial statements and other pertinent credit information, and develops credit packages. The Senior Portfolio Analyst will assist the Relationship Manager in gathering the required information necessary to make appropriate credit decisions, and analyze credit and servicing requests from start to finish. Will serve as a secondary point of contact for the customer. This position will make recommendations on loan and servicing requests based on the Association’s Loan Underwriting Standards. Responsible for the approval/denial of credit actions through either the utilization of assigned delegated authority or recommendation to a higher level of delegated authority.

Requirements

BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
Eight or more years of progressively responsible banking or related agricultural lending experience.
Demonstrated analytical and statistical skills to effectively evaluate loan request and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization.
Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.
Knowledge of Participation and Syndication credits.
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.
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.
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 weekend and/or evening work.
Some travel required.

Responsibilities

Assists the Relationship Manager in the gathering of information necessary to make appropriate credit decisions.
Develops credit packages and loan servicing actions.
Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.
Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, and offering opinions concerning credit worthiness, risks and mitigants, and other forms as required.
Formulates projections using historical financial data, current budgets and other information.
Inputs all required financial information and data into the financial analysis, loan origination and other loan processing systems.
Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements.
Participates in loan committee meetings as may be required.
Responsible for preparing information for Participation/Syndication partners as needed and participates in lender meetings as may be required.
Monitors assigned portfolio to determine potential servicing needs of the customer and to ensure customers stay in compliance with the terms and conditions of their loan(s).
Determines and reviews legal documentation.
Coordinates with all credit and approval departments as well as with attorney’s and title companies on loan closings, as needed.
Contribute to process improvement initiatives as assigned.
Represent the underwriting team in cross-functional projects and strategic planning efforts as assigned.
Performs 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
The position is bonus eligible based on association and personal performance