Senior Portfolio Officer, Financial Sponsors

CoBank•Greenwood Village, CO

24d•Hybrid

About The Position

Manages, analyzes, and underwrites credit for the portfolio businesses owned by Financial Sponsors and other non-traditional investors, whose investments are concentrated within the food, beverage, and agribusiness sectors. Contributes to the design, structure, and pitches for lead arranger or agency opportunities, and recommends credit decisions as appropriate. Supports the development of the CoBank Farm Credit System ("FCS") philosophy, and facilitates (in collaboration with CoBank Capital Markets and CoBank Legal Loan Processing) both primary loan origination and secondary loan trading activities with other banks and investors.

Requirements

Bachelor's Degree required
5 years of credit experience in leveraged lending including direct experience structuring and underwriting large, complex senior secured leveraged loans. required
Prior Experience in commercial or corporate credit setting, or a Master’s degree or MBA in either accounting or finance, or a CFA Level II or higher. required

Nice To Haves

Prior Experience Financial Analysis, Portfolio Management, Investment Strategy preferred

Responsibilities

Reviews audits, interim statements, projections, and other pertinent financial information to provide analysis of financial trends.
Acquires information from published industry reports, trade groups, journals, and other external sources to supplement and enhance the analysis of information provided by the Financial Sponsor or investor.
Identifies strengths and weaknesses of the borrower entity(ies) and evaluates specific risks to the bank.
Prepares projection models to test loan-structuring alternatives.
Evaluates validity of the borrower’s business plan based on an assessment of the industry outlook, competition, technology, management, and capital structure.
Provides estimates of company and/or collateral value.
Prepares and oversees the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach.
Offers opinions concerning credit-worthiness.
Oversees the credit approval process.
Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.
Assists with negotiations concerning the packaging of credit arrangements including loan structuring, loan pricing, and syndication strategy within and outside of the Farm Credit System.
Consults with lending staff and provides coaching on negotiation strategy, financing approaches, or other specific credit issues.
Takes a lead role in managing credit administration, account servicing, development, loan structuring, packaging, loan closing, documentation, and monitoring.
Monitors credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants.
Notifies broader relationship team, lending, and/or credit staff of emerging issues as appropriate.
Proactively and dynamically manages CoBank’s hold positions within individual portfolio businesses to calibrate and optimize risk-return for CoBank.
Takes a leadership role in managing the credit origination process from application through final approval, closing, booking, and servicing.
Assists with internal research and analysis, provides statistical reports, and verifies information.
Prepares and delivers presentations on topics as assigned.
Generates business insight through data analytics to aid business decisions including portfolio risk management.
Identifies areas for improvement in templates, spreadsheets, programs, systems, and procedures used in credit origination process.
Proposes possible solutions to problems.
Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
Approves or recommends credits for approval based on research and analysis.
Maintains expertise in leveraged lending.
Keeps abreast of industry trends and competitive environment.
Provides coaching and consultation on complex credit analysis, financing techniques, and other matters related to the delivery of credit.
Maintains in depth innovative credit skills.

Benefits

Careers with a purpose
Time-Off Packages, 20 days of vacation, 10 paid sick days and 11 paid holidays
Competitive Compensation & Incentive
Hybrid work model: flexible arrangements for most positions
Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
Robust associate training and development with CoBank University
Tuition reimbursement for higher education up to $10k per year
Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
Associate Resource Groups: creating a culture of respect and inclusion
Recognize a fellow associate through our GEM awards