Portfolio Analyst
American AgCredit
part-time
Posted on:
Location Type: Hybrid
Location: Colorado • Nevada • United States
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Salary
💰 $71,138 - $123,959 per year
About the role
- Analyzing and evaluating numerous or large and complex commercial and/or real estate loan application
- Servicing commercial and/or real estate loans by frequent contact with customers
- Actively pursuing new business through organized marketing and business development programs
- Interview loan applicants; prepare loan applications, financial statements and budgets
- Prepare spreadsheets of financial statements, e.g., balance sheets and income statements
- Input all required data into loan origination and loan processing systems
- Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information; analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness
- Analyzing loan applications and supporting documents
- Recommend approval or denial of loans, or approve/deny loans within lending authority
- Determine and review legal documentation
- Verify financial statements, review credit reports, and collect relevant data
- Communicate Association credit philosophy and stock requirements to customer
- Communicate and promote the availability of loan products and other financially related services
- Prepare loan servicing actions and follow-up on assigned loan portfolio
- Interact with title companies
- Monitor loan process
- Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance
- Conduct collateral inspections
- Represent the Association at public functions
- Conduct credit training and development programs for staff
- May serve as a member of the employee loan committee or participate in loan committee meetings
- Perform other duties assigned
Requirements
- At least eight years progressively responsible banking or related agricultural lending experience
- BA/BS degree with emphasis on agribusiness, business administration, or equivalent
- Strong credit and analytical skills
- Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures
- 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
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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
loan application analysisfinancial statement preparationbudget preparationcredit analysisloan processingcollateral inspectiondata verificationloan servicingcredit trainingagricultural lending principles
Soft Skills
analytical skillscommunication skillspersuasive skillsinterpersonal skillsorganizational skillsprioritization skillscustomer servicepublic representationindependent problem solvingteam collaboration