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American AgCredit · 1 week ago

Senior Portfolio Analyst-Corporate (Dairy & Protein)

Wichita, KS

Full-time

Hybrid

Senior Level, Lead/Staff

$99K/yr - $172K/yr

8+ years exp

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. The Senior Portfolio Analyst is responsible for managing a designated loan portfolio, analyzing loan applications, and assisting in credit decision-making processes.

AgricultureFinancial Services

Comp. & Benefits

No H1B

Responsibilities

Assists the Relationship Manager in the gathering of information necessary to make appropriate credit decisions. This includes meeting with the customer and asking appropriate questions regarding the financial information submitted as well as all aspects of their operation. Able to call the customer directly for follow up questions on the application package submitted and lead additional conversations as needed

Develops credit packages and loan servicing actions

Responsible for larger and more complex credits in the portfolio

Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information

Requests appraisal/field reports, obtain third party verifications, obtain credit reports, and request lien searches as necessary

Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, and offering opinions concerning credit worthiness, risks and mitigants, and other forms as required. Formulates projections using historical financial data, current budgets and other information

Exhibits a strong understanding of sound credit administration practices with the ability to differentially analyze complex requests and accurately identify risks and inconsistencies

Inputs all required financial information and data into the financial analysis, loan origination and other loan processing systems

Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements. Able to independently make approval recommendations on complex credits with limited oversight from organizational management. Participates in loan committee meetings as may be required

Responsible for preparing information for Participation/Syndication partners as needed and participates in lender meetings as may be required

Demonstrated analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization

Monitors assigned portfolio to determine potential servicing needs of the customer and to ensure customers stay in compliance with the terms and conditions of their loan(s)

Determines and reviews legal documentation. Coordinates with all credit and approval departments as well as with attorney’s and title companies on loan closings, as needed

Contribute to process improvement initiatives as assigned

Represent the underwriting team in cross-functional projects and strategic planning efforts as assigned

Performs other duties assigned

Qualification

Agricultural lending principlesCredit analysisFinancial statement analysisParticipationSyndication creditsFCA regulations knowledgeAnalytical skillsStatistical skillsPC proficiencyCommunication skillsInterpersonal skillsOrganizational skills

Required

BA/BS degree with emphasis on agribusiness, business administration, or equivalent

Eight or more years of progressively responsible banking or related agricultural lending experience

Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures

Knowledge of Participation and Syndication credits

Knowledge of FCA regulations, association, and district policies and procedures

Demonstrated proficiency in organizing and prioritizing work to meet deadlines

Strong written and verbal communication skills

Strong persuasive and interpersonal skills

Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software

Must have the 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

Must have strong written and verbal communication skills to adequately convey ideas and work well with a team

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 weekend and/or evening work

Some travel required

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

The position is bonus eligible based on association and personal performance