CGB Enterprises, Inc. · 1 month ago
Loan Services Credit Analyst
Louisville, KY - AFS
Full-time
Onsite
Mid Level
$58K/yr - $77K/yr
3+ years expCGB Enterprises, Inc. is a leader in the grain and transportation industries, seeking a Loan Services Credit Analyst to support their AgriFinancial subsidiary. The role involves performing underwriting and servicing actions for the company’s loan and lease portfolio customers, focusing on credit analysis and customer communication.
AgricultureTransportation
No H1B
Responsibilities
Perform underwriting and servicing responsibilities, including credit analysis to make recommendations in accordance with investor guidelines; which may include process partial releases, note modifications, rate changes, amortization modifications, interest rate conversions, payment or maturity date extensions, payment deferrals, and release of liability
Log requests into the Servicing Action database upon receipt of a signed Authorization and Checklist
Communicate with customers and seller banks (as needed) to understand service action requests, and coordinate the completion of such requests by close follow up with various internal staff, and external partners for approval
Request information and documents needed to advance and complete requests, such as financial information, contract documents, legal descriptions and other items as needed that require Collateral or Legal review prior to recommendation of the request
Analyze the financial data against credit standards
Write narrative explaining the request, history with the customer, impact of the request on the loan balance, payments and collateral and make recommendation to investor
Scan and index documentation related to requesting approval from the investor, including financial statements, credit reports, narratives, investor approvals and any other documents material to the request decision
Facilitate communication of pertinent details to ensure timely completion of modification documents by the Closing department
Develop and maintain internal processes, procedures and checklists manual for all common requests, with specific instructions for each investor program
Ensure requests are in alignment with program requirements, involving developing and maintaining a strong working knowledge of all investor servicing guides and Master Servicing Agreements
Ensure timely completion of all investor reporting of modifications, including but not limited to the FAMC Modification File, and reconciliation of fees with Closing and Loan Accounting
Other duties as assigned
Qualification
Required
Bachelor's Degree or equivalent working experience
Advanced knowledge in credit analysis and loan structuring
Strong knowledge of, or ability to quickly learn, various programs, credit standards, and loan rate products offered by the company
General knowledge of the agricultural industry
Knowledge of, or ability to quickly learn, entity structures and related organization documents and loan documents
Effective computer skills, including working knowledge of Microsoft Office Suite (e.g. Excel, Word, Dynamics 365, etc.)
Effective interpersonal, oral and written communication skills with the ability to interact with all levels of people within and outside the organization
Ability to understand and analyze financial statements
Ability to consistently exhibit qualities consistent with company philosophies to insure exemplary levels of service to all parties
Ability to work well both independently and within a team environment
Strong time management skills with ability to multi-task and prioritize
Preferred
3 years' experience in agricultural loan underwriting
Benefits
An outstanding 401(k) retirement plan with company contributions
Medical, prescription drug, dental, vision, life, & disability benefits
Flexible spending accounts
Paid leave (holidays, vacation, sick)
Wellness programs
Recognition programs
Community involvement opportunities
And much more!
Company
CGB Enterprises, Inc.
CGB Enterprises, Inc. Since 1969, CGB Enterprises, Inc. has grown into a trusted leader in the agriculture and transportation/logistics sectors.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Eric Slater
President & CEO
Oakley Whalen
Human Resources Business Partner
Company data provided by crunchbase