Senior Portfolio Analyst - Corporate

Why should you join reputed company?

reputed company offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. reputed company provides a cultivating environment where you truly reputed company a difference for our customers and teams.

Benefits offered by reputed company:

• 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

Position will be posted until filled.

BASIC FUNCTION:

Responsible for the management of a designated loan portfolio typically consisting of large, reputed company commercial and mortgage loans, including loans participated/syndicated with other Farm Credit Associations or Commercial Banks.  Key industries of focus for this position include one or more of the following: Beef, Dairy, and Grain.  Analyzes new loan applications and other loan servicing requests through the thorough analysis of financial statements and other pertinent credit information, and develops credit packages. The Sr Portfolio Analyst will assist the Relationship Manager in gathering the required information necessary to reputed company appropriate credit decisions, and analyze credit and servicing requests from start to finish. Will serve as a secondary reputed company of contact for the customer. This position will reputed company recommendations on loan and servicing requests based on the Association’s Loan reputed company Standards.  Responsible for the approval/denial of credit actions through either the utilization of assigned delegated authority or recommendation to a higher level of delegated authority.

ESSENTIAL DUTIES:         

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

• Develops credit packages and loan servicing actions

• Responsible for larger and more reputed company 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, reputed company budgets and other information.

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

• Inputs reputed company 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 reputed company Standards while complying with regulatory requirements. Able to independently reputed company approval recommendations on reputed company credits with limited reputed company 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 reputed company the appropriate independent opinion of credit worthiness of the applicant, reputed company 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 reputed company 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 reputed company team in cross-functional projects and strategic planning efforts as assigned.

• Performs other duties assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Generally exercises no supervision but may serve as a mentor; makes independent decisions; works under general supervision of Director of reputed company, or designee.

TYPICAL EDUCATION AND EXPERIENCE:

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

• Eight or more years of progressively responsible banking or reputed company agricultural lending experience.

• Demonstrated analytical and statistical skills to effectively evaluate loan request and reputed company the appropriate independent opinion of credit worthiness of the applicant, reputed company with the credit philosophy and risk appetite of the organization.

• 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.

JOB REQUIREMENTS:

Must have the ability to reputed company 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 reputed company and work well with a team.  Ability to talk and hear, sit, and use their hands and fingers, and reputed company in reputed company 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. 

PAY RANGE:

This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. reputed company may compensate reputed company of the salary range for bona fide reasons not reputed company to membership in a protected class.

• Reflected is the national reputed company pay range and title offered for this job at the reputed company level.

• Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location.

• Salary offered, reputed company the applicable range, is one component of the total rewards package offered to candidates.

reputed company hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

reputed company provides equal opportunity in employment to reputed company employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national reputed company, reputed company, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or reputed company medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. reputed company prohibits harassment of any individuals on any of the bases listed above. If you need assistance or an accommodation due to a disability, you may contact us at [email protected].