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CoBank · 3 hours ago

Senior Portfolio Officer, Financial Sponsors

Greenwood Village, CO

Full-time

Hybrid

Mid, Senior Level

$119K/yr - $147K/yr

5+ years exp

CoBank is a cooperative bank serving vital industries across rural America, and they are seeking a Senior Portfolio Officer to manage and underwrite credit for portfolio businesses owned by Financial Sponsors in the food, beverage, and agribusiness sectors. This role involves analyzing financial trends, preparing credit analyses, and managing the credit origination process while ensuring compliance with bank policies.

Banking

No H1B

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

Qualification

Credit analysisLeveraged lendingFinancial analysisCredit structuringPortfolio managementCFA Level IIMBA in financeInvestment strategyData analyticsNegotiation skills

Required

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