American AgCredit · 9 hours ago
Commercial Operations Specialist
Fallon, NV
Full-time
Hybrid
Mid Level
$52K/yr - $79K/yr
3+ years expAmerican AgCredit is a national financial organization supporting agricultural needs. The Commercial Operations Specialist is responsible for processing and servicing loans, ensuring compliance with regulatory requirements, and providing excellent customer service.
AgricultureFinancial Services
No H1B
Responsibilities
Actively participate in deal team calls to gain an understanding of structure, collateral, and documentation requirements
Direct and lead deal team to obtain necessary information and proactively assist in obtaining when appropriate
Provide information to the deal team and other business partners to perfect the collateral, loan structure, loan covenants, and conditions
Identify and provide details to deal team of deficiencies in loan information and packages to gain efficiency and understanding to provide better customer service
Identify title insurance requirements, request title work (preliminary title reports/commitment for title) from title companies, review and analyze upon receipt for accuracy and/or red flags as part of the due diligence process
Request from the borrower and analyze valid government identification, certification of trusts and entity documentation to verify the authority of signers and build out authorized signers. Determine supporting documentation necessary for signers to authorize loan transactions if applicable
Request, interpret, and provide instruction to others with respect to due diligence such as UCC searches, county searches, OFAC searches, personal property and real property searches, preliminary title/commitment reports and copies of other lien filings to identify and confirm that American AgCredit’s lien position meets approved requirements. Review subordination and other documents necessary to perfect American AgCredit’s lien on collateral. Identify and address any potential closing issues and appropriate documentation required for closing
Determine appropriate title insurance requirements are accurate within loan origination system and loan documentation to cover American AgCredit when dealing with cross collateralization of real estate transactions, such as multiple title policies with tie-in endorsements
Review and analyze appraisal reports to determine the collateral valued for the transaction, owners of collateral, structure values, etc., and ensure that the loan origination system accurately reflects all this information. Review the necessary security documentation needed to perfect American AgCredit’s lien on real property held as fee simple and/or leasehold estate, as well as associated personal property, such as water assets, equipment, timber, fixtures, etc
Create, review, and monitor conditions in compliance with Association procedures. Keep deal teams informed of updates, and compliance with condition monitoring
Review loan documentation for accuracy and completion, as well as to identify and track pre and post-closing requirements including ongoing covenant monitoring and ensure loan origination system reflects consistent information
Manage servicing actions including but not limited to, partial releases, assumptions, additions, easements, renewals, extensions, and conversions
Prepare specific loan documentation and other correspondence including, but not limited to, Rate Change Notices, Interest Rate Disclosure Statements, Renewal Letters, Extensions Letters, Personal Property Releases, and Conversion documentation
Establish and maintain electronic member files to ensure documentation is complete, supports the credit, and is compliant with policies, procedures, and regulations
Input required data into the loan origination and related systems
Coordinate loan closings with borrowers, title companies, etc
Ensure all loan controls and closing conditions for the approved loan transaction are reflected in the final loan documents and obtained prior to closing the loan
Identify, recommend, and actively participate in the implementation of process improvements and procedure changes
Maintain relationships and provide excellent service to borrowers, American AgCredit employees, and external partners such as title companies, other financial institutions, and vendors. Apply independent discretion and knowledge to answer questions from the deal team, title companies, customers, and other business partners. Keep all groups informed as to loan status and readiness for closing. Proactively reach out to various individuals to hold them accountable for their responsibilities to ensure a timely loan closing
Comply with Association policies and procedures, recognize discrepancies and/or noncompliance with policies and procedures, and respond appropriately
Perform other functions assigned
Qualification
Required
AA/AS degree with emphasis on business or high school diploma with 3-5 years' experience performing technical duties in the financial industry or related field
Licensure/Certification: Notary Public Commission or completion of requirements within six months of hire
Ability to interpret and apply policies and procedures
Demonstrated ability to generate highly accurate work
Demonstrated analytical skills to evaluate, prioritize and categorize data in various formats
Prioritization / Time Management: Demonstrates ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity
Continuous Learning: Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance
Exceptional written and oral communication skills
Exceptional interpersonal skills
Proficient in the use of PC, including e-mail, word processing and electronic spreadsheet
Ability to work on tight time constraints, problem solve, negotiate deadlines, and perform multiple tasks simultaneously
Works under general supervision and direction of the Regional Operations Leader
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 of time
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 may require occasional weekend and/or evening work
Travel required in performance of job
Preferred
Bachelor's degree preferred
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
Company
American AgCredit
American AgCredit is a borrower-owned association chartered through the Farm Credit System.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Curt Hudnutt
President and CEO
Recent News
MarketScreener
2025-10-03
The North Bay Business Journal
2024-03-28
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