Senior Portfolio Monitoring Analyst

Overview

A financial organization supporting agriculture and related industries is seeking a Senior Portfolio Monitoring Analyst. This role involves advanced underwriting functions including monitoring and servicing existing and new accounts by reviewing, validating, reconciling, and trending financial covenants and borrowing base certificates. The analyst will frequently analyze and present covenant compliance and financial performance trends to underwriters, account officers, and other personnel. The position requires an advanced understanding of financial statement analysis and independent decision-making.

The role also includes maintaining and managing a small portfolio of credits focused on Production Agriculture, Agribusiness, and Capital Markets. Responsibilities include analyzing and evaluating loan applications, approving loans within delegated authority, and recommending loans for approval to the loan committee.

Responsibilities

• Analyze ongoing covenant compliance performance of existing and new accounts through review, validation, reconciliation, and trending of borrowing base certificates and tested financial covenants.
• Spread and analyze financial statements to determine financial performance trends such as repayment capacity, liquidity, leverage, capitalization, and cash flow.
• Review financial and covenant reporting data and follow up efficiently and accurately with all counterparties.
• Analyze all pertinent financial information and supporting reports, determining the need for additional information or further investigation.
• Assist the underwriting team in preparing loan servicing actions and periodic financial reviews.
• Occasionally prepare and present credit information for account officers or committees to support lending decisions on new or renewal loans.
• Review credit agreements and other loan documents to support covenant compliance and financial performance reviews.
• Communicate effectively, both verbally and in writing, with deal teams regarding ongoing covenant compliance and financial performance trends.
• Review and understand chattel evaluations and real estate appraisals.
• Assist in collateral control activities including inventory analysis, verification, and accounts receivable maintenance.
• Perform other duties as assigned.

Supervision

• This position exercises no supervision.
• Works under general supervision of the Director of Corporate Underwriting or designee.
• Makes independent decisions within delegated authority.

Requirements

• Bachelor’s degree preferred in Accounting, Finance, Business, Agribusiness, or related fields; or a minimum of six (6) years’ experience in a similar role in lieu of a degree.
• General knowledge of agriculture and/or agribusiness is required.
• Previous customer-facing work or internship experience preferred.
• Familiarity with accounting principles, banking policies, procedures, and processes.
• Strong analytical and statistical skills to validate, evaluate, prioritize, and categorize data.
• Self-starting with great attention to detail and pride in accurate work.
• Strong organizational and prioritization skills to thrive in a fast-paced environment.
• Proficient in Microsoft Office Suite.
• Strong collaboration and communication skills, both verbal and written.

Essential Job Requirements

• Ability to perform basic office tasks in a typical office setting.
• Ability to sit for extended periods and work at a desk and computer.
• Strong written and verbal communication skills.
• Ability to talk, hear, sit, use hands and fingers, and reach in all directions.
• Ability to lift and move items up to 25 pounds.
• Work during established business hours; occasional weekend and/or evening work may be required.
• Travel may be required.

Work Arrangement

• Full-time remote position.
• Employees may work from an office if desired.
• Some travel for team meetings and training is required.

Compensation & Benefits

• Annual salary range: $71,138.70 to $123,959.18 (national average, adjusted for geographic location).
• Bonus eligible based on association and personal performance.
• Medical, dental, and vision coverage.
• Outstanding 401(k) plan with automatic 3% employer contribution plus match up to 6%.
• Generous paid time off: 21 days vacation annually, 15 sick days annually, 12 paid holidays, plus 16 hours of volunteer time.
• Competitive incentive compensation plan.
• Disability and life insurance.
• Employee mental, physical, and financial wellness programs.

Location

• United States (must be eligible to work in the U.S.; no visa sponsorship or transfer available).

Equal Opportunity

The employer provides equal employment opportunities to all employees and applicants without regard to race, color, creed, religion, national origin, ancestry, citizenship status, age, sex, sexual orientation, gender identity or expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy or related medical condition, military or veteran status, victims of domestic violence, or any other protected characteristic under applicable laws. Harassment on any of these bases is prohibited.

If accommodation is needed due to a disability, applicants are encouraged to request assistance through the employer's designated channels.