Senior Portfolio Analyst-Corporate

Overview

This role is responsible for managing a designated dairy loan portfolio, typically consisting of commercial and mortgage loans. The Portfolio Analyst analyzes new loan applications and other loan servicing requests using financial statements and other credit information to develop credit packages. The role supports the Relationship Manager in gathering information for credit decisions, provides input on creditworthiness and risk mitigants, and serves as a secondary point of contact for customers.

Responsibilities

• Assist the Relationship Manager in gathering information needed to make appropriate credit decisions, including meeting with customers and following up directly on application package details.
• Develop credit packages and loan servicing actions.
• Review and analyze credit information to determine whether additional investigation or information is needed.
• Request appraisal/field reports, obtain third-party verifications, obtain credit reports, and request lien searches as necessary.
• Complete loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, and providing opinions on creditworthiness, risks, and mitigants.
• Formulate projections using historical financial data, current budgets, and other information.
• Input required financial information and data into financial analysis, loan origination, and other loan processing systems.
• Make approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements.
  • Independently make approval recommendations on non-complex credits.
  • Participate in loan committee meetings as required.
• Monitor the assigned portfolio to identify potential servicing needs and ensure customers remain in compliance with loan terms and conditions.
• Determine and review legal documentation; coordinate with credit and approval departments and with attorneys and title companies as needed for loan closings.
• Assist with special projects and work groups requiring underwriting expertise as assigned.
• Perform other duties as assigned.

Requirements

• BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
• 7+ more years of progressively responsible banking or related agricultural lending experience.
• Demonstrated analytical and statistical skills to evaluate loan requests and provide an independent opinion of creditworthiness aligned 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 using a PC, including word-processing, e-mail, and electronic spreadsheet software.
• Ability to perform basic office tasks in a typical office setting, including extended sitting at a desk and working at a computer.
• Ability to talk and hear, sit, and use hands and fingers, and reach in all directions.
• 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.
• Required industry experience: Dairy.

Preferred Qualifications

No preferred qualifications were listed.

Compensation & Benefits

• 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
  • 16 hours of volunteer time
• Competitive Incentive Compensation Plan.
• Disability & Life Insurance.
• Employee mental, physical, and financial wellness programs.
• Position is bonus eligible based on association and personal performance.

Pay Range

• Minimum $98,644.40 - Max $171,887.88 Annual
• 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.
• Compensation outside of the salary range may be offered for bona fide reasons not related to membership in a protected class.

Location

• Full-time remote. Work can be performed remotely while maintaining commitment to customer service and business goals.
• Employees are welcome to come to an office to work if needed.
• Some travel for team meetings will be required.

Work Authorization

All hiring is contingent on eligibility to work in the United States. The employer is unable to sponsor or transfer visas for applicants.