Portfolio Analyst

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $71.1k - $124k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 0%

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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

• Manage a designated dairy loan portfolio consisting typically of commercial and mortgage loans • Analyze new loan applications and loan servicing requests using financial statements and pertinent credit information • Develop credit packages and loan servicing actions • Assist the Relationship Manager in gathering information for credit decisions, including customer meetings and follow-up calls • Request appraisals, field reports, third-party verifications, credit reports, and lien searches • Complete loan analyses, including financial statements, cash flows, loan analysis forms, trend sheets, narratives, creditworthiness opinions, risks, and mitigants • Formulate projections using historical financial data, current budgets, and other information • Input financial information into financial analysis, loan origination, and loan processing systems • Make approval recommendations in accordance with Loan Underwriting Standards and regulatory requirements • Independently make approval recommendations on non-complex credits • Participate in loan committee meetings as required • Monitor the assigned portfolio for servicing needs and customer compliance with loan terms • Determine and review legal documentation • Coordinate with credit and approval departments, attorneys, and title companies on loan closings • Assist with special projects and work groups requiring underwriting expertise • Perform other assigned duties • Serve as a secondary point of contact for customers • Approve or deny credit actions using delegated authority or recommend them to higher authority

🎯 Requirements

• Required industry experience: Dairy • BA/BS degree with emphasis on agribusiness, business administration, or equivalent • Five or more years of progressively responsible banking or related agricultural lending experience • Demonstrated analytical and statistical skills to evaluate loan requests and independently assess creditworthiness • 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 PC use, including word-processing, e-mail, and electronic spreadsheet software • Ability to perform basic office tasks and work in a typical office setting • Ability to sit for extended periods and work at a desk and computer • Ability to talk and hear, sit, use hands and fingers, and reach in all directions • Ability to lift and move items up to 25 pounds • Ability to work during established business hours and weekends and/or evenings • Some travel required • 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 • Employees are welcome to come to an office to work if needed • Some travel for team meetings