Senior Portfolio Analyst-Debt Capital Markets

American AgCredit

2d • $98,644 - $171,888 • Remote

About The Position

The Senior Portfolio Analyst on the Debt Capital Markets team will, with the guidance of the Debt Capital Markets Leader, work collaboratively, and when necessary, independently on the underwriting activities of a buy-side debt portfolio. This role involves general business and economic analyses, financial analysis and modeling, business valuations, processing loan applications, credit report writing, and loan legal documentation. The position requires preparation and presentation of credit packages to Relationship Managers (RMs) or committees. It also includes a broad range of servicing and monitoring responsibilities, assisting RMs with account servicing, credit administration, and loan documentation.

Requirements

• Bachelor’s degree, majors in finance, business or related field is preferred.
• Familiar with accounting principles, and banking policies, procedures and processes.
• 7 years of prior experience in credit/financial analysis work.
• Demonstrated skills in cash flow, balance sheet, profitability, liquidity, and solvency analysis is required.
• General knowledge of agriculture and/or agribusiness is preferred.
• Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats.
• Working knowledge of Excel or similar spreadsheet and analytical software is required.
• Demonstrated proficiency in organizing and prioritizing work to meet deadlines is required.
• Knowledge of FCA regulations, association and district policies and procedures is required.
• Strong communication skills, including written and verbal, are required.
• Strong persuasive and interpersonal skills are required.
• Proficient in the 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.
• Work during established business hours and may require occasional weekend and/or evening work.
• Travel required in performance of job.
• Eligibility to work in the United States.
• Ability to maintain strong commitment to customer service and business goals.

Nice To Haves

• Mentoring or training other staff.

Responsibilities

• Develops credit information for use by RM and/or committees in making lending decisions on new loans, renewal loans, miscellaneous loan servicing actions and restructuring actions.
• Co-sponsors credit recommendation with RM.
• Reviews all pertinent credit and financial information; determines the need for more thorough investigation or additional information; analyzes financial statements, forecasts and related material; prepares summaries, presents facts, and offers opinions concerning eligibility, return, credit structure and overall creditworthiness.
• Prepares complete credit package for loan committee allowing sufficient time for review and decisioning.
• Performs credit administration, account servicing as it relates to Salesforce and nCino data quality and integrity.
• Ongoing monitoring and financial review of assigned portfolio.
• Keeps RMs informed of financial trends and compliance.
• Reviews credit agreements and other loan and participation documents to ensure alignment with approved credit actions.
• Provides timely response to internal or external account requests.
• Maintains strong working and collaborative relationships among deal teams and cross-functional departments.
• Maintains expertise in assigned market segments, keeping abreast of industry trends.
• Participates in the training and development of other Association staff and reviews the work of others as assigned.
• Attends lender meetings and industry events as necessary.
• May work on other projects and initiatives as assigned.
• Perform other functions/duties as 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree