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AgriBank (St. Paul, MN) · 1 week ago

Chief Credit and Lending Officer (onsite/hybrid)

St Paul, MN

Full-time

Hybrid

Director/Executive

$360K/yr - $593K/yr

15+ years exp

AgriBank is a financial institution dedicated to supporting the agricultural community. The Chief Credit & Lending Officer will lead the credit team, ensuring sound and profitable credit services while providing strategic direction and leadership within the organization.

CrowdfundingFinancial ServicesVenture Capital

Comp. & Benefits

No H1B

Responsibilities

As a member of the executive leadership team, makes strategic decisions and sets the strategic direction for AgriBank

Initiates, identifies, analyzes, and develops key strategic initiatives

Ensures AgriBank’s sustainability as a value-added partner to affiliated associations and its role in the Farm Credit System as a funding bank

Facilitates strategic dialogue between AgriBank senior leadership, Board of Directors and association senior leadership and boards of directors

Leads, coordinates, and contributes to AgriBank’s strategic and business planning process

Provides leadership for the Farm Credit System and AgriBank District through participation in various System-wide boards, committees, and workgroups

Effectively selects, leads, develops and evaluates the performance of other leaders, teams and departmental functions

Allocates resources effectively across functions and departments

Sets and monitors performance standards to achieve Bank’s business strategies, goals and objectives

Responsible for appropriately protecting the confidentiality, security and integrity of the Bank’s systems and data

Makes decisions on commercial and wholesale loans and lending policies as AgriBank’s top credit officer and chair of the AgriBank Loan Committee

Leads the development and implementation of credit risk management tools throughout the district to enhance portfolio management and to optimize the allowance for loan loss process and economic capital modeling

Leads the development and maintenance of appraisal standards, including benchmark farms, real estate sales data, commodity prices, and other pertinent data on current and future valuation of collateral

Develops and maintains credit and appraisal policies, standards and practices which ensure effective credit decision-making, loan servicing and monitoring and overall portfolio management within AgriBank and the District associations

Informs the AgriBank Board of Directors, and Association executive management of credit direction, issues and industry trends

Provides management direction to the insurance operation and risk management initiatives; determines content of information pieces to be provided to associations and internally (to AgriBank)

Manages the Bank credit activities related to wholesale loans, retail lending (loan participations), other financial institutions (OFI’s), and retail interest rate swaps with Association customers

Makes loan and other credit-related decisions on lending to associations, OFI’s, retail lending (loan participations), and retail interest rate swaps with Association customers

Works with lead lenders and large commercial bank officers to negotiate large loan transactions and to communicate industry lending practices outside of the Farm Credit System

Provides direction and supports the Bank’s liquidity investment portfolio credit assessments

Provides leadership for the Farm Credit System through chairing and participating in various System-wide committees, workgroups, rating agency communications, and Investor visits in support of the System Funding Corporation

Works with other Farm Credit Bank leaders on various System initiatives including managing System hold limits and communicating with regulator on System wide issues

Informs Farm Credit District bank executives and other Farm Credit System executive management of credit direction, issues and industry trends

Qualification

Credit analysisLoan structuringCredit administrationAgricultural industry knowledgeCustomer relationship managementMicro-Macro-economicsStrategic thinkingSecurityOral communicationWritten communicationTeam managementNegotiation skillsTime managementConfidentiality

Required

15+ years of related experience

7+ years of senior level management and leadership experience

Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Expert skill in credit analysis and loan structuring

Expert skill in credit administration

Expert customer relationship management and servicing skills, including the ability to communicate complicated information, deliver bad news effectively, and exceed customer expectations

Expert skill in thinking strategically and setting organizational and operational direction leading to positive business outcomes

Expert knowledge of agricultural industry and industry lending practices

Working knowledge of micro- and macro-economic theory both domestic and international and their practical impact on borrowers

Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences

Skill in analyzing complex technical data by using logic and quantitative reasoning

Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to advance the organization's interests and increase personal efficacy

Skill in selecting, managing, coaching, motivating and developing a diverse credit team

Skill in analyzing, integrating and documenting the business needs of multiple stakeholders

Skill in negotiating highly complex agreements to achieve the best outcome for the organization

Skill in setting priorities to reflect the importance of job responsibilities

Skill in utilizing time in an efficient and effective manner

Responsible to appropriately protect the confidentiality, security, and integrity of AgriBank's systems and data

Bachelor's degree in business, economics, finance, agribusiness or related field