Loan Quality Monitoring Analyst

Job not on LinkedIn

🔥 4 minutes ago

🇺🇸 United States – Remote

💵 $83.9k - $142.6k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

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American AgCredit

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1916

🛡️ Insurance

🍽️ Food & Beverage

🌾 Agriculture

Insurance • Food & Beverage • Agriculture

American AgCredit is a specialized financial institution providing a wide range of financial services specifically for the agriculture industry. The company offers various financing solutions, such as real estate loans, operating loans, equipment financing, and working capital loans for agribusinesses. Additionally, American AgCredit provides crop insurance and credit life insurance to support farmers and their agricultural operations. Operating primarily in states like California, Colorado, Hawaii, Kansas, New Mexico, Nevada, and Oklahoma, the company also serves corporate banking customers nationwide through its capital markets services. With a strong focus on enhancing the financial strength of farmers and agricultural businesses, American AgCredit offers insights and advisory services through educational resources like webinars and industry insights.

📋 Description

• Perform risk-based reviews of loan origination, servicing, documentation, and related operational work • Evaluate loan activities for accuracy, completeness, timeliness, consistency, required documentation, and approvals • Independently complete complex reviews • Document evidence and conclusions • Identify exceptions and trends • Communicate results to the Loan Quality Monitoring Leader and business partners • Execute loan quality monitoring reviews according to approved plans, methodologies, sampling criteria, documentation standards, and quality expectations • Review loan files, system records, approvals, documentation, calculations, servicing activity, and other evidence for conformance with applicable requirements • Document review procedures, evidence, exceptions, impact, and conclusions completely, accurately, and traceably • Classify and communicate quality exceptions; escalate material, recurring, or ambiguous matters • Analyze results to identify error patterns, process breakdowns, training needs, control weaknesses, and broader impact • Partner with lending, credit, and operations teams to understand processes, validate facts, and support corrective action • Support root-cause analysis, issue tracking, remediation validation, and follow-up monitoring • Maintain review status, workpapers, reporting inputs, and evidence for management, audit, and regulatory review

🎯 Requirements

• Bachelor’s degree in business, finance, accounting, agriculture, risk management, or a related field, or an equivalent combination of education and relevant experience • 5 years of relevant experience in lending, credit, loan operations, quality assurance, risk, compliance, audit, or a related discipline required • Preferably experience in banking/financial industry • No certification required • Travel required up to 10% • In-depth knowledge of lending processes, loan documentation, credit and approval requirements, booking, servicing, and related operational controls • Knowledge of applicable lending policies, procedures, delegated authorities, regulatory requirements, and documentation standards • Knowledge of quality monitoring, sampling, evidence evaluation, exception classification, root-cause analysis, and issue follow-up • Knowledge of loan systems, document repositories, workflow tools, and data supporting lending and servicing activity • Ability to analyze complex loan files and process evidence • Ability to work independently, manage multiple reviews, and complete assignments with minimal guidance • Ability to apply consistent judgment and recognize matters requiring escalation or specialist input • Accurate documentation and constructive communication of exceptions • Ability to identify themes and root causes using review results, operational information, and data analysis • Effective use of spreadsheets, reporting tools, loan systems, workflow systems, and document repositories • Ability to protect confidential customer and Association information and maintain an objective review approach • Eligibility to work in the United States; visa sponsorship or transfer unavailable

🏖️ 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 • Bonus eligibility based on association and personal performance • Remote work; employees may come to an office to work if needed • Team meeting travel

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